BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: SinglePoint GI
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I am enclosing all documents. 
Case # XXXX Date of Reservation : XX/XX/2021 Merchant XXXX Sales and Capital One. Amount of transaction {$570.00} Refund Booking # XXXX On XXXX XXXX I reserved a car thru XXXX in my sisters name XXXX XXXX, she was traveling with my mother XXXX XXXX a hospice patient. In flight my mother ran out of oxygen in flight and could not fly. I called XXXX to cancel this reservation because my sister said she didn't think my mom could travel. My sister is her caretaker and a LPN. She stated that the her oxygen equipment was faulty. When I called XXXX and explained the situation they sent me a notice of how to get a refund. I followed what they told me. I called my credit card company and started a dispute just in case. Next when I sent XXXX information they asked for they would not accept it. I then sent it to Capital One and they would not accept it and sent me a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, I sent a certified letter to EOS CCA, requesting copies of any documents, bearing my signature for an account that was added to two credit  reports under my social security number by this collection agency. I formally requested in this letter to ceast and desist any attempts to collect on this debt. As of XX/XX/XXXX, this company has NOT satisfied my request for documentation.Pursuant to Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :, this account should be removed from all of my credit reports, never to be reinserted again, by this collection agency. This collection agency also violates, FDCPA 807. False or misleading representations [ 15 USC 1962e ], as I do not have ANY accounts ( active or inactive ) with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2018-01-12
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
On XX/XX/2018 I sold 8 items on XXXX. Paypal who processes my payments for a fee held 4 out of the 8 payments. The released payments totaled 150 the held was 303. I called 4 days straight to get info about the holds. They gave me every excuse under the sun. I dont have any marks on my account and asked for a supervisor 4 times only to be put on holdlonger than 1hour. They have a policy that makes the bussiness trasactions seem shady and that is to get your funds sooner you have to mark the item that you sell mark it shipped and in 7 days they will release the funds. I charge shipping charges to ship the item to the customer and not shipping the item for 7 days and marking it shipped looks like i am scamming the customer. The second way is that you get the customer to give you a good review on your XXXX page and they will automatically release the funds immediately. I charge shipping because most the time i dont have the money to ship the product. Also when they hold funds they say its proprietary info why they do it and they cant tell us how we can prevent being put to where our funds arent held. Futher more if i have the money to ship items we have to ship them without payment and wait until confimed delivery has been done and the. 3 days after that is when our funds will be available ( sometimes ). I have had to call in to get them released. Anothe thing under acount they get there fees immediatly when the item is paid for. Another thing in there website under accounts if you click on a pending payment it comes up item will be refunded meaning i think they are treating the payment as a sell somehow to keep from gettjng in trouble with the government, when ever its time to release the funds they give us the funds but mark it a refund. So i think they are a shady crocked company. Oh and i had 3 more sales 2 on XX/XX/XXXX and 1 on XX/XX/XXXX and all three of those were put on hold. When you sell stuff and dont get the money for it for 21 days ( thats the normal hold uf you dont jump thru hoops they want u too. ) how can anybody function without money ie : ship, live ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a credit card with Bank of America ( BOA ) for  years. It has always been set up on an autopay system. Apparently, 10 months ago they change the payment amount and neglected to inform me of this action. I finally received an email from BOA stating my account had been closed and I owed a minimum payment in excess of {$700.00}. Upon inquiry I was apprised of the above information and informed that they had been sending emails to a defunct email account, which has never been a primary. When I inquired as to why they finally sent the information to my operating email account following 10 months of insudfficient payments, they had no explaination. So my account with BOA has been closed for non-payment and I have been charged interest and fees which are unwarranted as I never received notice. They obviously know how to email me, and I have not moved. I find this conduct unconcionable.

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 2022-01-12
Company: EQUIFAX, INC.
State: VA
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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On an annual basis the mortgage servicer threatens me with thousands of dollars in gap flood insurance. Every year, I have to remind them to request the proof of flood insurance from my home owner association because my property is condo and the HOA handles the flood insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Ad Astra Recovery Services Inc
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2017 I filed a complaint against XXXX XXXX XXXX XXXX they were able to verify the alleged debt but did not validate the alleged debt against this consumer according to the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I opened up a VA mortgage with XXXX XXXX XXXX on XXXX XX/XX/2019 for {$230000.00}. I made one payment to XXXX XXXXXXXX XXXX who then sold my mortgage to Nationstar Mortgage LLC, d/b/a Mr. Cooper. Mr. Cooper. I set up payments through my bank, XXXX XXXX XXXX  and sent {$1600.00} on XXXX XX/XX/2019. This was my second mortgage payment. This payment was returned on XXXX XX/XX/2019 without explanation. I began receiving calls from an unknown entity claiming to have my mortgage but as I had not heard anything from Mr. Cooper I was not willing to discuss financial matters over the phone without some record of who they were. On XXXX XX/XX/2019 I googled the phone that I had been given, XXXX XXXX XXXX XXXX, and determine that XXXX was the mortgage carrier associated with that number and when I accessed their " new customer '' portal the system associated my phone and email address with me. I requested that document pertaining to my loan be sent to my email address. The pop box indicated that the documentation would be sent within two days. Having not received the documents I contacted the company by chat and was told that my payment was due on XXXX XX/XX/2019 and that I would be reported to the credit bureaus if I didn't get payment in. They indicated that they had sent documents to the physical address but in that region there are no mail carriers only PO Box and so no documents arrived. No one told me what was going on. No told me who had my mortgage or how to make payments. To this day, XXXX XX/XX/2019, I could not make a payment on this mortgage because I have not yet been provided the information to do so. They are going to wreck my credit with late payment that was not my fault. This should be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-04-11
Company: Insight Financial Services LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018, my husband and I closed on a refinance loan with XXXX XXXX, from Insight Loans. The objective was to get the PMI off and get some money back for home improvements. 
The understanding and agreement that I had with the broker was that I would get {$8500.00} cash back at closing and my interest rate would be similar. The closing documents were sent but the broker never mentioned that it would cost us more than {$5900.00} to get the interest rate that he had indicated that we would get. He even admitted to me that he wasnt feeling well and did not even look at them before sending them. The closing document fees indicated TO SELLER but in two different boxes.The broker never mentioned a {$6000.00} fee, or that my cash back would change. When I questioned him about the interest, he said that it would be lower. I did not know that I had to paid this fee until the check came, and I was no longer able to rescind the loan. When I contacted the broker about the discrepancy, he ignored me for over a week. He also offered to pay me off until I was happy to avoid a complaint. He also sent me a {$50.00} gift card the last time I closed on a loan with him, for a five star review. During this issue, he also indicated that he had contacted the mortgage company to try and get me a lender credit but when I contacted them, they didnt know what I was talking about. The fee was indicated in the documents but it was never mentioned to me until afterwards. My understanding was that o was getting the {$8500.00} we agreed upon.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I had a wire transfer sent from XXXX to my account at Wells Fargo. The money left XXXX on XXXX XXXX and was in New York on XXXX XXXX. The money was for both my brother and I. My brothers bank confirmed the deposit on XXXX XXXX at an exchange rate of XXXX. 
On Tues XXXX XXXX I called Wells Fargo and complained about my money and by the afternoon it was deposited into my account at XXXX rate. I had checked the rated for that day and it was at XXXX. 
I have called for the last few weeks the branch and various other departments trying to get a resolution. Today XXXX XXXX I get a call from XXXX, NC.. The woman claims to stand by her decision giving me all sorts of stories about the trail of the money, claiming it went through XXXX. She also was very firm that the exchange rate for the second was XXXX. 
I have documentation that states that the rate was 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 2019-04-11
Company: EQUIFAX, INC.
State: MS
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 pulled my credit report om XX/XX/XXXX, According to the Credit report My DOB was incorrect in my file, I have been in the bureau since XXXX ; I sent them my Identification9a Mississippi Drivers License and a copy Of my SS Card I waited 30 days. I also contacted the FTC, in XXXX, GA, They responded promptly, and advised me to Contact My Congressman ; I did so, contacting Mr. XXXX XXXX 's Office here in XXXX on XX/XX/XXXX, At this time I shared my problem with the office staff.In doing so Mr. XXXX 's Office staff made a copy of My DL My SS card, and My Birth Certificate, and they forwarded that information to Equifax, On XX/XX/XXXX I recieved a Phone Call from a number XXXX, My Caller ID says it's Equifax, the man Asked me questions, to which I answered all of them. He advised me that he would correct the DOB, and other information. and that he would Put It in the Mail, Today 's date is as follows, XX/XX/XXXX. I've heard nothing, Nor Has Congressman 's XXXX 's Office. I've  tried calling the Number and I got a recording. also the questions asked of me by Equifax, leads me to believe also, that I am the victim of Identity Theft. i did not by a Car in XXXX, nor a Home in XXXX, and Credits Cards,  and A Student Loan from XXXX ... I need your help, I'm begining to think that maybe it was Intentional. 
I filed taxes with XXXX XXXX XXXX XXXX, all of my life, and not once was I audited, nor asked to pay any money, b ecause of an Overpayment, but after this thing with Equifax I was asked to pay, XXXX for an overpayment in that amount from XXXX. I have the XXXX XXXX XXXX XXXX   Guarenntee. XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS . XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've went online many times for over a year on XXXX, Transunion and XXXX  disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.

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 2022-01-12
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.

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 2022-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed fraudulent information. It has not been removed and the consumer reporting agency is in direct violation of FCRA 605 CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agency immediately removed and blocked the fraudulent accounts when proper documentation was received which is what equifax received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless

Company response to consumer: Closed with explanation