BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-25
Company: Experian Information Solutions 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 have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraudulent charging activity on my checking account with XXXX XXXX as the recipient. Total of {$3600.00} in XXXX charges. Total of {$1800.00} was refunded by my bank ( Citibank ), but the balance could not be refunded due to remaining charges more than 6 months old. 

Contacted XXXX 5 times on the phone to have the remaining charges reversed. They had promised on the phone to reverse, but then did not and later refused to reverse the charges. 

Outside of XXXX, {$500.00} in charges fraudulent charges remain that are over 6 months old 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 monetary relief
Consumer complaint received 2020-11-06
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am a single mom and experienced a major loss of income due to covid. I struggled to make payments and eventually fell past due. In XXXX, I recovered income that was previously lost. I called TD on XX/XX/XXXX and spoke with an agent named XXXX. I explained my situation and asked what payments arrangements could be made to bring the account current. I told her that I could make 2 payments per month until the account was brought current ( 2 full payments around {$600.00} ). She told me that she could only schedule 2 payments at a time, so the XXXX payments were scheduled. She told me that I would need to call back in XXXX to schedule two more payments. I told her I planned on making the payments on XX/XX/XXXX and XX/XX/XXXX which are my pay dates. She assured me that was fine, and she was notating this on my account even though she could not set up the payments during that call. However, on XXXX, my vehicle was repossessed despite being told my payment plan was acceptable. I called TD again and spoke with XXXX ( ID XXXX ) who informed me that this was a valid repossession because payments were not scheduled. She confirmed that XXXX stating I could only schedule 2 payments at a time was accurate, but also stated they can repossess if additional payments are not scheduled. This is conflicting information. The intent was to call on XX/XX/XXXX to schedule two payments for {$600.00} for the month of XXXX. Again, I was ASSURED that was ok. I was told a manager would contact me within 24 hours but I have not heard back. I am without a vehicle and no way to get to work or take my child to school. It is absolutely appalling that a company treats it's customers this way when they have been affected by covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On approximately XX/XX/19, I took advantage of an offer from my credit card company, Bank of America, for a 0 % interest cash advance promotion, with a 5 % fee the amount of the promotional cash advance. This promotion stated that I could use the promotional check to transfer a balance or deposit any amount up to my credit limit into my personal checking account. Nowhere did the offer state that making the check out to myself would result in foregoing the promotional offer. I wrote a check out for {$19000.00} to myself and the check was deposited on or around XX/XX/19, thinking that I had initiated a cash advance under the terms of the promotion. 

On the most recent billing statement ending XX/XX/2019, I noticed a substantial interest charge of {$290.00}. I thought this was a mistake, so I called the customer service number for Bank of America and spoke to a representative. She informed me that, according to her three supervisors, because I had made the check out to myself, I was not taking advantage of the promotional offer. In fact, I was told that if I had made the check out to my wife, and deposited it into the very same account, that I would have received the promotional offer. Furthermore, I was told that if I had called them to initiate the cash advance over the phone, I would have received the promotional offer. I informed them that I had used some form of this promotional cash advance from Bank of America for over 10 years and never had this problem, even when writing the check out to myself, and that if I had known that writing the check to myself would result in not receiving the promotional offer, I would not have used the promotional check. I was told that the terms and conditions of my cardholder agreement makes writing a promotional check to myself outside of any promotional offer, despite the fact that the offer explicitly states that I could deposit the promotional cash advance into my personal checking account, and that I had no recourse. 

I am frustrated by this deceptive practice and the inherent unfairness of this promotional offer, which states that the check could be deposited into my personal checking account, yet if I make the check to myself, that it can not receive the promotional offer. Due to this deception, I have had fees of {$760.00}, and current interest of {$360.00} billed to me. I offered to pay off the original amount if they refunded this money, but they refused. 

Please help end this deceptive practice, and help rectify this situation.

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 2019-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For XXXX. When I try to request it online. Its says " a condition exists. '' For equifax it will not give it to me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/2019 I sent letters to XXXX asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter that debt is valid and attaching a copy of a single bill. XXXX is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request XXXX  remove to remove the account inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future. The document you sent me is not bill, do not have my signature on it.

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 2021-09-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Current mortgage servicer is obstructing refinance with other mortgage company in which loan has been approved. 

When government announced to close business due to the Covid-19 my husband was temporary laid off and we requested forbearance from current mortgage servicer which was granted at the time. We missed a couple of months and later in XX/XX/XXXX we started to make monthly payments in full and servicer accepted payments as usual. ( According to a representative from Shellpoint loan was out of forbearance around XXXX ) By XX/XX/XXXX I decided to refinance and and I contact a mortgage company which later in XXXX I was notified that my mortgage loan had been approved with the condition of a letter from mortgage services stating mortgage was out of forbearance. 

According to a representative from mortgage servicer my mortgage was out of forbearance but I never received a letter. I requested such letter several times in different ways ( over the phone, fax, email ) but letter never arrived and every time I called I was told a different story. 

During the time of my refinance I needed to be current with my payments. However, after payoff was received and wanted to pay my mortgage payment it was rejected and I had to sent certified mail because Please note that Mortgage servicer is obstructing my refinance and I already lose an opportunity to obtain a better rate. Now the rete I was offered by the mortgage in which I apply for refinance expired and the only two options I have is to accept a higher interest rate or extend rate which both options are very costly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have disputed and am still disputing this late pay with Wells Fargo. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay Wells Fargo Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the WF representative who assisted me, as well as the the TAX office person who assisted me. This WF representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, WF was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. WF is saying this is returned check, which is not true, as the money was already in escrow. Im asking WF to do the simple and right thing, and remove this one late pay as they promised. Please talk to the WF rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.

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 2022-02-02
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified cease and desist letter to waypoint on XX/XX/2022 and it was received on and signed for on XX/XX/2022. fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( 2 ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Waypoint is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo app has held my XXXX dollars. My account was hacked and now i can not access my money they said for 180 days. 
I couldnt even access the provisional money they gave me cause it was on the venmo mastercard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a retired XXXXyr old Veteran with XXXX XXXX service in XXXX on a fixed income. I was retired in XXXX and went into a severe financial crisis by the loss of 2/3 of my income. I have been scammed by several Modification outfits and got no results. I have simply been trying to get an affordable monthly payment that I can make without being broke every month. It took me 2yrs to get my full retirement and that is what started this situation. I was an XXXX in XXXX XXXX with the rank of XXXX XXXX and a rating of XXXX in civil service ( 29yrs ). My daughter and myself lived on {$1700.00} per month for over a year, Even after getting full retirement, I only bring home a little over {$3500.00} per month. When retired my monthly mortgage payment was {$1300.00}. It is not hard to see that one can not make that payment on {$1700.00} per month and still live. I have tried many times to get a fair payment that I can make, to no avail. The supposed loan started in XXXX with XXXX XXXX XXXX. We live in a small XXXX Florida town and I have found out that XXXX was not licensed or authorized to work in Florida then. The mortgage has been sold to XXXX XXXX XXXX XXXX XXXX and is currently serviced by Carrington Mortgage Service. We have recently been served with a summons Lawsuit of Foreclosure. I have been here for 27yrs and it is the only real home I have ever had. My daughter had XXXX for 6yrs and it is the only home she has ever known. To the corporations this is a property, but to us it is our home. I feel that at this time, I can make a {$600.00} per month mortgage payment. If only the mortgage company would work with me. I did have a Forensic Investigation done on my mortgage and they found several discrepancies. I am not trying to get something for nothing, I just want my daughter and myself to stay in our home. Oh, something I forgot, I was divorced in XXXX just prior to retirement. That did not help the financial situation either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, US DEPARTMENT OF EDUCATION XXXX XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: BROCKELBANK INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I entered in to a lease agreement at XXXX XXXX XXXX in XXXX. When I occupied the building, the water service was not turned on. Once on, it was discovered that there were a multitude of leaks. I informed the owner of the issue and he asked me to call a plumber as I XXXX a XXXX XXXX XXXX and had a contact. My XXXX XXXX XXXX called and scheduled the plumber and some work was completed. The owner never made the water system completely workable, and in XX/XX/XXXX I vacated the property. Shortly thereafter, my XXXX XXXX XXXX received a bill from XXXX XXXX. I explained the situation and told them that my XXXX XXXX XXXX was not responsible for the bill and provided them with the owners information. I received some threatening correspondence from the building owner stating that I was responsible. At that time, I refused all calls and emails from he and the owner. I attest that this obligation is not mine for two reasons : 1 ) The plumbing work was completed on a building where I was only a tenant. 
2 ) The plumbing services were ordered by my XXXX XXXX XXXX on behalf of the owner. My XXXX XXXX XXXX ( XXXX ) was billed for this service. My XXXX ceased operation in XXXX. This credit and debt collection is in my personal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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:
XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Huntington Bank to close my account, and they refused to close my account over the phone. They told me I HAD to go into a branch to close it. I do not want the account anymore, and it has a monthly fee. I can not make it to a branch during business hours, which I told the lady on the phone, but she refused to make an exception. I asked several more times to no avail. It seems very unethical to me that they are making it so difficult to close my account with them. I don't even know how I will do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: EOS Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that EOS CCA provides me with competent evidence that I have any legal obligation to pay them. I am asking EOS CCA to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand EOS CCA immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that EOS CCA agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that EOS CCA agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation