BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
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 belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I was sued by Cavalry SPV i<LLC for a credit card debt and requested validation of the debt. It was never received and we've gone to court for pretrial for 9 months with each time the judge gave them time to provide the requested validation. 

1. On XX/XX/XXXX, the Defendant filed with the Court and served Plaintiff with Defendants response for Production to Discovery to obtain full and complete answers to the Defendants Interrogatories. 
2. On XX/XX/XXXX the Plaintiffs response to Defendants request for Production was as follows : Objection, immaterial, irrelevant burdensome, vague and ambiguous and not reasonably calculated to lead to the discovery of admissible evidence. 
3. I, Defendant, have served the Plaintiffs with interrogatories requesting the specific substance of the facts of the case and have received vague responses. The Plaintiffs have refused and have failed to provide full and complete discovery regarding the information requested by Defendant. 
4. On, XX/XX/XXXX, the Plaintiff had not submitted a response to the Defendants addition request for validation and the Honorable Judge had given the Plaintiff 14 days to the Defendants request for validation and interrogatories. 
5. Plaintiff has failed to submit any documentation evidencing ownership of the account to the Defendant. 
6. On, XX/XX/XXXX, the Honorable Judge directed the Plaintiffs to provide the necessary documentation to the Defendant within 20 days or the case would be dismissed at the next pretrial hearing set for XX/XX/XXXX. 
7. Rule XXXX, Florida Rules of Civil Procedure requires Plaintiff to attach a copy of All bonds, notes, bills of exchange, contracts, accounts, or documents upon which the action may be brought or defense made, or a copy thereof or a copy of the portions thereof material to the pleadings, shall be incorporated in or attached to the pleading. 1 Rule 1.130 ( a ), Fla. R. Civ . Pro. Plaintiffs Complaint fails to state a cause of action because it fails to satisfy the strict requirements of Rule 1.130.

8. Therefore, Plaintiff has not attached written instruments sufficient to demonstrate that Plaintiff may even bring this action. 

Validation was never received. On XXXX XXXX the Judge DISMISSED the case for the plaintiff 's failure to comply with outstand discovery requests. 

Please have Cavalry remove this from all 3 of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Fw : I received this I have no clue who this is XXXX XXXX Fri XX/XX/2021 XXXX XXXX More actions From : BB & T Alerts XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Message from Customer Service BB & T Logo XXXX XXXX XXXX XXXX | Free transparent XXXX XXXX XXXX Library Dear BB & T Customer , We're writing to let you know that our system detected a slight error in our regular verification process of Online Banking records to complete recent activity. 

Our system requires account verification for more security and protection to your account. To see how to solve this situation, please click check now to log on Check now and you will be directed to follow this process. 
Sincerely, BB & T Online Customer Service Copyright XXXX, Branch Banking and Trust Company. All rights reserved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
State: OH
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 disputing the same items with the Bureau since XX/XX/XXXX, 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature.

Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX my daughter, who was legally insured and authorized to drive the vehicle, had an accident. XXXX XXXX did not respond to my calls until XX/XX/XXXX when they instructed me to take the car to a shop and said that they would send an adjuster asap. The insurer also provided me a rented vehicle as covered by my policy. Later that day, the car was taken to XXXX XXXX XXXX where the car remained until XX/XX/XXXX when Chase repossesed it. 
In XXXX, the adjuster evaluated the car and said that it would be fixed.allegedly paid {$5600.00} to XXXX XXXX and then sent a second check that bounced. Then, I personally visited the XXXX XXXX  office only to find out they had closed due to bankrupcy. 
From XXXX through XXXX, I was in close communication with XXXX trying to solve this matter. When XXXX closed, I was assigned to XXXX  XXXX XXXX XXXX XXXX and they assigned a new adjuster to my case : Mr. XXXX XXXX ( XXXX ) XXXX Ext XXXX whom did nothing nor he responded my calls, messages etc. 
Nobody paid the sop to fix the car nor for the time the car stayed there. Chase repossesed it on XX/XX/XXXX without notifying me, Chase ancelled my GAP at the dealer insurance without my authorization and I ended with a {$14000.00} car debt, {$170.00} XXXX bill and no car. On XX/XX/XXXX, chase sent a letter saying they will sell the car as I " had broken promises on our agreement '' despite an extension ( see attached letter dated XX/XX/XXXX ) not requiring payments from XX/XX/XXXX trough XX/XX/XXXX. 
Nor Chase nor the Insurance had assumed any responsibility nor provide any suitable solution for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Paypal Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I have a small business and an 11 year relationship with PayPal for XXXX XXXX XXXX. They have a company call XXXX XXXX  or XXXX loans that they say is now owned by PayPal. 
They supplied me with a XXXX loan and I have been paying it off without issue every week with XXXX increments. I was getting down to the end of my loan and I applied to see if I could get a small increase, due to COVID and Pandemic issues my business is not back as we service XXXX XXXX XXXX around the US with XXXX XXXX XXXX Reps. 

If order to get you to send over all of your personal documents, they bait you into saying you are approved, for {$20000.00} they were going to provide the final pay off of my loan of XXXX and then provide remaining XXXX or so as I opted for XXXX as I never take on more than I need. 
I sent in my documents and then they turned me down due to my business obviously being still down but on it way back up when XXXX XXXX XXXX start in May of XXXX 
There are a large number of comments from others on their website who experienced the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: CITIBANK, N.A.
State: CT
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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


CITICARDS CBNA # XXXX PO BOX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.

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 2019-11-13
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal perkins loan provider ( University Accounting Services, {$1200.00} ) changed my " in-school '' status to " out-of-school '' while I was still in school. I officially graduated in XX/XX/XXXX, but on XX/XX/XXXX I discovered through a credit check that I had missed 5 payments to University Accounting Services. Once I discovered this I paid the loan in full, including late fees ( {$48.00} ) and asked them to remove the complaints from my credit record. I was told they would look into it but I have not heard anything since. I emailed them on XX/XX/XXXX and was once again told they would look into it. I was supposed to have a 6 month grace period, so my first payment should have been due in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal has not only locked me out of my account without cause for over one year, it has also illegally kept my money ( for that amount of time as well. One of their XXXX  male customer service reps representatives was talking to me lower than an animal and I didn't stand for it, so he cut off access to my account WITHOUT CAUSE. I didn't violate any of their Terms of Service. I have tried in numerous ways including going to small claims court to get them to refund my money that he ( and other Paypal reps ) admitted that was going to go back into my account to no avail. I now have to file it in District Court but due to the coronavirus, I have to wait to do that. When he shut my account down, it stopped the transfer of the funds going back to my bank account, so they have been in illegal possession of my money for over a year ( even their TOS says any hold will be no longer than 6 months ). 

Paypal also let a scammer ( XXXX XXXX ) keep money ( {$170.00} ) of mine even after I told them I didn't receive the services I paid her for. Other people have been scammed by her and Paypal refunded their money, but due to the above situation, they won't refund mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, Guaranteed Rate, made a premium payment of {$4600.00} to XXXX XXXX for homeowner 's insurance in XX/XX/XXXX in error ( see attached escrow statement ). They paid this premium for a policy that is not on a property on which they hold a mortgage. This policy is almost double in cost of what our actual policy is on the property that they hold a mortgage. The premium that they paid ( {$4600.00} ) is for the policy which we have on our primary residence, and we do not hold a mortgage with them for this property currently. The property on which they hold the mortgage is our vacation home. In short, they used our escrow money to pay a premium for a property that is not tied to this escrow account. 

I received a check from XXXX XXXX for {$4600.00}, as I had already paid the premium for our primary residence ( we do not have a mortgage on this home ). I had to call more than 15 times to get this error corrected beginning on the date that I realized that they paid the wrong premium. I was told that they did not have the declaration pages, which is not possible as we provided those at closing in XXXX of XXXX. 

After making the payment to the wrong company, on XXXX, Guaranteed Rate 's escrow department recalculated my escrow based on this erroneous premium ; resulting in my mortgage payment being increased by 40 % from {$1800.00} to {$2500.00} ( see attached monthly statement ). I received this notice in XX/XX/XXXX. 

I re-deposited the {$4600.00} back into my escrow account on XXXX, upon Guaranteed Rate 's direction. I called on XXXX to request that they recalculate my escrow, and they informed that they would do this immediately. As of XXXX, when I spoke to a supervisor, they still not had done the recalculation. 

The actual homeowner 's insurance premiums that will be due in XX/XX/XXXX are {$2600.00} in total, substantially less than the {$4600.00} that they used in their escrow recalculation. The increase in my mortgage payment is based on paying them back for last year and then the projected payment of {$4600.00} for next year ( both of which are incorrect ). 

I have spoken with multiple people, including supervisors, and they have told me that they can not adjust the new payment amount for a few months as that is their policy. Being that this is their error, I expected them to correct it immediately. I can not manage a 40 % increase in my mortgage payment due to their error and asked that they revert the payment amount to what it was until their error is rectified. That has not happened and the inflated payment is due XX/XX/XXXX I am asking for assistance in getting this matter resolved, so that my XXXX payment is what it should be based on accurate data. Currently, the payment amount is incorrect based on the egregious error that Guaranteed Rate made in paying a premium for a policy not held on the property for which they hold a mortgage currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, United Wholesale Mortgage and XXXX XXXX. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: American Accounts & Advisers, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Accounts & Advisers is fraudulently attempting to collect debts not owed. In response to my previous CFPB complaint ( XXXX ), American Accounts & Advisers stated that they have 5 collections accounts for 5 procedures at the XXXX XXXX XXXX. This is completely false, and I received verbal and written confirmation with XXXX Hospital today ( The XXXX XXXX XXXX is a division of XXXX Hospital ) that I only visited the XXXX XXXX XXXX 1 time, on XX/XX/12. This visit was paid for and there was no outstanding balance. There were not 5 visits as American Accounts & Advisers is fraudulently claiming. I have requested proof of these alleged office visits/procedures from American Accounts and Advisers, which they have failed to provide, because the 5 procedures were not performed. American Accounts & Advisers has also falsely claimed that they have sent 4 letters and attempted to call me regarding these fake debts, which they have not. This company is committing fraud and destroying my credit score in the process. The should be investigated for their corrupt practices. They should be able to provide proof of the 5 visits that they allege I owe payment for, but they can not because it is a lie. I have my file from XXXX Hospital which shows the 1 visit on XX/XX/12, and I will provide XXXX 's contact information so that my statements can be confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I received a copy of my credit report and I show company XXXX XXXX account number XXXX. Per FDCPA I am aware that an chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am be violated due to FDCPA becuase there is an open balance listed to my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
PLEASE REMOVE XXXX XXXX AS AUTH USER OFF THE ACCT SS # XXXX ACCT # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Bread Financial Holdings, Inc.
State: OK
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:
financial hardship caused a late payment XX/XX/2016 requested several times that this late payment be removed due to outstanding payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
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:
I have filed a dispute with Transunion to accurately correct the two accounts with XXXX XXXX XXXX XXXX, the dispute was completed marked as resolved, and to date the errors are still showing on both accounts. Each account was paid in full and closed between XXXX though my credit report still shows no further reporting history since the time before the account closed. I have also contacted XXXX directly who confirmed the accounts have a zero balance and was reported to each credit bureau including Transunion as such. It has been impossible to contact Transunion by phone since their Customer Service line is fully automated and does not appear to allow any opportunity to speak with an individual and only routes their website to view the report or submit a dispute. 
Under the FCRA, both Transunion as the credit reporting company and XXXX/ XXXX XXXX XXXX are responsible for correcting inaccurate or incomplete information in your report. It has now been 4-5 months since XXXX initially reported to Transunion and roughly 60 days since the dispute has closed to no avail. Please contact XXXX  directly to verify. 
I urge you to expedite and remove this disputed record within the next 15 days as I am in the process of financing a new vehicle and applying for a mortgage where both will be affected by the inaccuracies still listed on 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