BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I reported fraud and suspicious activity on my boa accounts since XX/XX/XXXX   at XXXX XXXX XXXX XXXX  XXXX va. XXXX did a intense research as per her letter stated XX/XX/XXXX on all of my accounts (XXXX XXXX XXXX)First of all as the attachments show my name is at the top of the XXXX   account. In XX/XX/XXXX $XXXX dollars was transferred to a account # XXXX as per documents from boa XXXX. She stated that their were no linked accounts. My address of XXXX  XXXX XXXX XXXX nc XXXX was reported to boa in XX/XX/XXXX after selling my XXXX XXXX XXXX home. As per the documents sent to me by the cfpb file my address was taken off my account of XXXX and combined with Mr XXXX XXXX accounts and my account information was denied access to me due to boa sent my XXXX to XXXX XXXX XXXX XXXX   XXXX va  in XX/XX/XXXX. we were legally separated as of approx XX/XX/XXXX as per the court records that was  entered by Mr XXXX .I need the authorization documents that were signed and on record with boa on who transferred all the funds out of my XXXX in XX/XX/XXXX and whose account it was transferred to ending in #XXXX. Also I need the authorization documents that were submitted to boa to combine my personal XXXX account with Mr XXXX XXXX sole account info in XX/XX/XXXXand changed where my account info was being sent to  since Mr XXXX entered the seperation agreement in XX/XX/XXXX.  By bank of America changing my address to XXXX XXXX XXXX XXXX   XXXX va instead if my reported address if XXXX XXXX XXXX XXXX nc XXXX it  denied me access to my monies and funds info to keep track if the fraud and suspicious activity that I reported    were being  tampered with .Attached are the #XXXX transfer proof in XX/XX/XXXX sent to cfpb by XXXXProof of my XXXX  being comingled with Mr XXXX  personal accounts in XX/XX/XXXX and thru XX/XX/XXXX attached as sent to the cfpb by XXXX in XX/XX/XXXXAddress change proof attached in XX/XX/XXXX as per attached info to the cfpb in XX/XX/XXXXAnd a card # XXXX was used to transfer funds toI need to request info documents on all if the above 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 2021-05-19
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
hello this complaint is with pay pal this account was closed months ago because of a dispute over un approved freight charges of {$1500.00} and 25 + orders never delivered from wish. 
there was a investigation by pay pal as they paid these charges, they only FOUND4 items that were not shipped and returned the charge back to paypal. " THE REPORTED ITEMS WERE A EXAMPLE OF THE BUSINESS '' repeatedly tried to get a return for the amount listed and the undelivered items. It appears that this is a date was falls represented as the investigation. next the company has closed the account and still charging me amounts. this is not right. the account has been turned over to a debt consolidation company. when they will began the proceedings my account will have to be payments to them has to increased for them to work on it. enclosed is a copy of last statement from them. i mean no harm or insult and offered to pay rest off after the refunded money and items were delivered. they did not correct the issue. this all began XX/XX/2019 please and thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Well over a year ago I cancelled service with XXXX XXXX. I had a XXXX balance turned in all of my equipment and was told that I was paid in full and account was closed. Shortly after I started to receive letters for outstanding balance of equipment charges, so I called explained the situation and was told everything was taking care of. This continued to happen. They eventually turned me into a collection agency called diversified consultants who has since then hurt my credit. Diversified consultant agency was extremely rude, and employee 's at XXXX XXXX could not speak English very easy to see who XXXX up here. I would like it to be removed from my credit report. I am not the first to have this happen from XXXX XXXX, apparently this occurs quite often.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Aqua Finance, Inc.
State: IL
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:
Aqua FinanceInquiry from XX/XX/2018/XXXX Hard inquire. . . . .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently as I viewed my personal file through monitoring system I noticed fruadulant account still reporting a debt of {$370.00} from CREDIT MANAGEMENT LP that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX. I have filed for identity theft and filled out a report of fraud and identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My CC account was recently closed without any prior notification. I only learned about it when I received a letter stating it was to be closed. I immediately called customer service and was only told nothing could be done other than apply for a new account. Now, if I were to apply for a new account it affects my credit score ; if I allow you to close my account it affects my credit score based upon available credit. 

My husband and I both have 800+ credit scores, I would think I am the client Capital One would wish to keep and there has to be a way to re-open an account that I did not request be closed. Had I received a notification that I needed to use the card to maintain the account, I could have easily done so..that wasn't communicate that. 

I was only provided a fax number to send my compliant to, which I did several weeks ago with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have multiple times submitted the following information of my income. They have repeatedly rejected my loan modification because they are not including all of my income in their calculation. 

I am appealing the denial of my loan modification I am XXXX XXXX property XXXX XXXX XXXX XXXX XXXX, Texas loan number XXXX Im appealing the denial of the standard modification for reason of Due to excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

Im appealing the denial of the Forbearance Plan for reason of Due to  excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

Im appealing the denial of the HAMP Tier I for reason of Due to excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

The reason for my appeal is that Mr. Cooper has miscalculated my income and reported the wrong income United State Department of Agriculture. 

The representative for the loan modification department is showing my income at {$2700.00}. 

My net monthly income : Income # 1 XXXX XXXX {$1500.00} net bi-monthly= {$3000.00} ( evidence included below ) Income # 2 XXXX  XXXX XXXX net {$220.00} each week= {$890.00} ( evidence included below ) Tenant= {$750.00} ( evidence included below ) My total net+ income is {$4600.00}. My total gross in {$5900.00} Obligations including my mortgage is {$3100.00} My obligations : Below is evidence of my current income and a copy of my application. 




XXXX XXXX  XXXX  Tenant : {$750.00} Lease also included Doctors Notes : Due to have symptoms of XXXX I was sick and self monitoring and unable to mail a response until now. However, this should still reach you with in the 30 calendar days if not Im asking for a medical exception. Also, my town is currently under Shelter In Place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received over 23 calls from diversified consultants ( XXXX ) for a debt owed by a XXXX XXXX over the past two years. I have told them I am not him nor have I ever heard of them. When I tell them this they either become argumentative or abusive with foul language. I have asked them to stop calling which they never do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am a husband and the debtor is my wife. I received and returned calls on XX/XX/XXXX @ XXXX est, XX/XX/XXXX @ XXXX est, & XX/XX/XXXX @ XXXX est. All three times the debt amount and its collection status was disclosed to me as well as demands for payment although I am not on the debt. They continued to call me and collect a debt even after explaining that it was my cell they were calling, that I am not a right party, and that they needed to speak to my wife. When I asked them to stop calling, since they are only allowed 1 call to update info, they told me they would not cease calling until they received it in writing. I am not a right party, they can not disclose nor continue to harass me for a debt that is not mine. They continue to do this after being told their errors. They even lied to me about legalities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by under your company. This is causing me financial injury and deformation of character. I am unable to get a job or apply for credit. This have hurt the credibility of hurting my credit.

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 2019-08-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls. Asked them not to call during day while working. Repeated calls on Sunday

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 2020-05-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have been trying to resolve my issues with things that are on my credit report that should not be reporting. The information just keeps getting ignored and it is still on my credit report. I do not know what else to do. The following accounts should not be reporting on my report : XXXX XXXX  for {$520.00} XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for {$660.00} XXXX XXXXXXXX XXXX XXXX for {$680.00}

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 2023-07-04
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To Whom it may concern, The checking account # XXXX I used to have with Bank of America or perhaps another checking account opened under my name without my authorization and it was reported as a delinquency account with a transaction of {$500000.00} in cash from a fraud group located in Georgia back in the years XXXX. I was never notified of this fraud transaction which is being reported in my personal background in agencies. In addition, I went to a local branch and they can't find the checking account in the system, the account is older than 7 years and it is not showing any information. 

I am in the process of a clearance and the investigators mentioned this transaction during the interview. 

I have submitted the checking account number and a previous address where i used to live when the account was active.

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 2021-04-25
Company: Home Point Financial Corporation
State: RI
Product: Mortgage
Sub-product: FHA mortgage
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not contacted by Commonwealth Finance on debts trying to collect. I just saw 7 different ones from the same company on my credit report. The following are the amounts {$560.00} {$840.00} {$840.00} {$520.00} {$1800.00} {$520.00} {$780.00} They are also all from the same original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 

There are no original dates of services. So I do not know exactly what they are trying to collect on. I have NO idea what these charges are. But they are destroying my credit. Please any imformation to help me straiten this out is greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint, then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( XXXX, XXXX and TransUnion ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and TransUnion ). This matter is completely UNACCEPTABLE! 


TransUnion Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020, I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY 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 2020-11-17
Company: Experian Information Solutions 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:
On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX. As relevant proof I disputed these XXXX Funding accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous XXXX XXXX accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  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 2020-05-15
Company: Plastiq Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Plastiq is a bill payment company which lets you use credit cards to send payments by checks to payees who do not accept credit cards directly. 

They have a referral program where if you refer someone and they make a payment over {$500.00} then the referred person gets {$500.00} of Fee-Free-Dollars and the referrer gets {$1000.00} of FFD. These FFD can be used to send payments exempt from the usual 2.5 % charge.

The complaint here is that I referred my daughter and she made payments over {$500.00} yet Plastiq refused to issue the FFD to her and to me, and refused to provide an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief