BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion has blocked me from starting an online dispute today XX/XX/2020. I want to address XXXX   XXXX, that inquire my credit report with TransUnion, that they are refusing to accurately report credit information regarding bankruptcies XXXX & XXXX. I have filed a new lawsuit against TransUnion as of 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 2022-02-12
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This concerns Mr. Cooper Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I have paid my paid my XX/XX/2022 mortgage 3 times on the following dates : XX/XX/2022 ( online payment of {$690.00} conf # XXXX ) XX/XX/2022 ( unauthorized debit from XXXX Bank for {$690.00}, which the bank returned ) XX/XX/2022 ( customer service rep made withdrawal for {$690.00} conf # XXXX ) I paid XXXX 's mortgage on XX/XX/2022, conf # : XXXX. At that time, customer rep, XXXX, informed me that XXXX 's mortgage, which should be {$690.00}, was NOW {$740.00}! 

This included a {$19.00} charge for payment over the phone. She waived this additional charge. However, I was also charged {$30.00} for insufficient funds on a check that I never wrote! I have NEVER paid by check in the five years I have been doing business with this company. 

Additionally, I sent a check in XXXX to apply to my XXXX mortgage in the amount of {$200.00} along with a letter explaining how to apply this amount to my XXXX mortgage. I received this check as a XXXX from the XXXX XXXX to reduce my XXXX mortgage to {$490.00}. Instead of reducing my XXXX mortgage, I was charged 3 times. I am XXXX XXXX XXXX and living on a fixed income. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: SC
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:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth I commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A through Exhibit D that Equifax is in violation of 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, ( NESBITT ) ROBINSON, LASHONDA, never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts : Accounts : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is a complaint against Paypal for the account user with email XXXX. Paypal has a negative balance for this account totaled - {$930.00}. The negative balance was paid from my XXXX account on XX/XX/2020. 

An item was sold on XXXX for XXXX. After the sell the buyer requested a refund in which the money was refunded via Paypal for XXXX, which left a negative balance on my Paypal account. The buyer never returned the purchased item ( tracking provided which shows the item was never sent ). This meant the buyer had his money returned and also the item purchased through XXXX. 

On XX/XX/XXXX, Paypal was paid XXXX via XXXX ( document provided ) to cover the negative Paypal balance. A dispute was opened with XXXX and Paypal which stated that I never received my item I sent to the buyer and money has been sent to Paypal through XXXX to cover the negative balance. 

Today XX/XX/2020, I still have a negative balance in Paypal and XXXX has paid Paypal on XX/XX/2020 but Paypal has NOT updated the Paypal account to reflect this payment. 

I would like Paypal to acknowledge this payment and to bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX and my daughters name is XXXX XXXX XXXX. We own a single home at XXXX XXXX XXXX, XXXX, PA XXXX at which we reside, XXXX XXXX. XXXX in XXXX XXXX. XXXX name is on the note from Wells Fargo XXXX. 
In XXXX of XXXX XXXX husband, XXXX XXXX, XXXX, and of course that lead to financial upheaval. 
I tried to help her as well as I could but had my own financial debacle in XXXX XXXX thru XXXX XXXX XXXX XXXX applied for a modification three times and appealed. The decisions on XXXX, XXXX, and XXXX were all denied. 
XXXX filed Chapter XXXX bankruptcy on XXXX XXXX, one day before an answer was due for due for foreclosure. XXXX refiled on XXXX XXXX, XXXX was dismissed on XXXX XXXX. 
We received Notice of Sheriffs sale for XXXX XXXX, XXXX. 
Our complaint is that Wells Fargo, et al. used deceptive practices to affect a foreclosure and sale of XXXX XXXX XXXX. They used dual tracking in violation of the XXXX XXXX XXXX XXXX XXXX. The assignment of the mortgage is void under the XXXX and New York State Trust Law, the SEC, and IRS regulations ( tax exempt status can be withdrawn if there are any irregularities in the assignment. The assignment was 8 years after the closing date of the trust in violation of New York State trust law. 
Exhibit 1 Information on trust law ; which verifies the assignment is void Exhibit XXXX XXXX Banks definition of Trustee Obligations ; Exhibit 13 Information on identifying fraudulent mortgage documents ; Exhibit 4 Fraudulent mortgage documents also void by XXXX XXXX XXXX ; Note to Exhibit XXXX XXXX XXXX is a known Robo signer- transfer ( assignment ) was made 8 years after Trust was closed, Exhibit 5 Information regarding a proper assignment with the Declaration on the bottom of the page. 
We have much more information : Start of Application for Modification ( XXXX of them ), XXXX XXXX Notice XXXX XXXX XXXX days after filing Chapter XXXX, Stay of Execution was not filed until 19 days after filing XXXX XXXX Chapter XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX Same Address XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please call XXXX XXXX for more information or questions We need help

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 2022-07-13
Company: Action Collection Agencies, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22 I received a XXXX XXXX from XXXX XXXX XXXX in XXXX, Massachusetts. I received a bill for this service and have been trying to dispute this bill as I should not have been charged for the XXXX. They have since sent the bill to collections. I have been in contact with the both the hospital and the debt collection agency multiple times about this issue, yet it remains in collections. 

Debt collector- Action Collection Agency of Boston XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I paid off my loan with XXXX. In turn my Gap Insurance was cancelled on the same day. The company policy for XXXX XXXX XXXX is 10 business days for refund of Gap Insurance payments. I initially contacted them on XX/XX/XXXX to make them aware of the cancellation and expectations of the refund of {$800.00}. I was told the check would be mailed on XX/XX/XXXX. 10 business days from the date of cancellation. I called again on XX/XX/XXXX and was told they had n't mailed the check they would mail it out on XX/XX/XXXX. On XX/XX/XXXX I called again and was told their was no payment due to me? After a few minutes of back and forth I was told the check would be mailed that day. I called again on XX/XX/XXXX and was told the check had n't been mailed yet and they would send an email to payment processing to check on the hold up. A few hour later I receive a call from XXXX in the rebatables department. Reassuring me a check would be mailed out that day. XX/XX/XXXX I call again and I am told there is a not that a payment should be sent out but no payment has been sent out as of yet. My issue is I missed a very important trip to me. XX/XX/XXXX XXXX vs. XXXX in XXXX my son plays for the XXXX and these funds were to be used to Fund this trip. The refusal by this company to refund my monies is shameful. Please look into their practices. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Equitable Acceptance Corp
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I reconsolidated my student loan debt thinking it was the smart thing to do. I work for a non-profit agency and have for the past 10 years. I reconsolidated back in XX/XX/XXXX. 

I was nit too familiar with the company I chose to refinance and was overwhelmed at the time due to financial difficulties of going through a divorce with a child. 

I pay my loan to XXXX XXXX of {$180.00}, in the middle of the month, but then I get a separate charge taken directly out of my bank account under Equitable Acceptance of {$45.00} at the end of the month. Equitable Acceptance is a third party, but I never seem to get a clear answer as to why I being charged this fee when the whole idea is for me to pay less and have loan forgiveness in 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 recently sent a letter to Capital one asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, XXXX, and XXXX. They marked the account charged off in XXXX of XXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. Capital one did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that capital one comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If capital one doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: KY
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 am very stressed out because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: CITIBANK, N.A.
State: OH
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:
Im not familiar with this credit card provider

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
Equifax failed to properly and securely store sensitive information that is directly related to my personal identity and finances. After discovering a significant data breach, the company failed to notify consumers of the breach within a timely matter. Additionally, Equifax executives sold personal shares of company stock while withholding information regarding the data breach from consumers who were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This was a debit card issued by Bank of America for pandemic unemployment benefits. The card was issued to me in my married name, XXXX XXXX de XXXX. I an back with my maiden name now, XXXX XXXX XXXX XXXX. 

My claim is for reimbursement of {$1900.00} that was misappropriated from my Bank of America XXXX card due to fraud. Bank of America has denied my claim more than once. 
My claim is for reimbursement of four debits to my card, as follows : XX/XX/2021 {$100.00} XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX {$1.00} The only branch that I ever use is the XXXX XXXX branch, which is walking distance from my home- I do not drive. None of the fraudulent withdrawals are from the XXXX XXXX branch. 

If you examine the balance inquiries that were made on my debit card, the fraud becomes clear. I always do a balance inquiry and then make my withdrawal. It is clear that some sort of data breach occurred at Bank of America in early XXXX  After that, fraudsters made balance inquiries from all over California and the US, and then withdrew the maximum possible amount when they found funds in the account. Each of the fraudulent withdrawals identified above was preceded by a balance inquiry. There were a number of additional balance inquiries by fraudsters, from locations other than the XXXX XXXX branch, that did not uncover available funds. Small mercies, I guess.

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 2020-02-13
Company: WELLS FARGO & COMPANY
State: TX
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: Other problem getting your report or credit score

Complaint:
My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an XXXX  victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, XXXX  XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX 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 explanation
Consumer complaint received 2017-10-18
Company: Strategic Automotive Servicing, LLC
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 information incorrect

Complaint:
Strategic Automotive transferred my auto loan with XXXX XXXX back to XXXX XXXX per my request but this company has their auto loan still open on all XXXX of my credit reports which looks as I have XXXX open auto loans amounting in total of over {$22000.00} and it looks like my monthly payments are a total of {$940.00}, double the monthly note and loan.

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 2020-02-13
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
I made a purchase for XXXXEUR through a website and used Paypal to do so. I used a debit card and wanted my card issuer to convert the currency upon receiving the transaction. Paypal defaulted to converting the currency for me and charged me a fee to do so. According to my Paypal user agreement, it is my choice to have Paypal or the card issuer convert the currency. I called Paypal and after spending an hour on the phone and escalating three times, a woman named XXXX would not refund the conversion fee to me nor fix the issue. She kept telling me it is up to the merchant to decide if Paypal or the card issuer will convert the currency. I told her that was wrong and what my user agreement stated. Paypal has charged me an illegal currency conversion fee in violation of my Paypal user agreement and I want the money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Interest is being accrued and payments are due despite Covid relief measures in place. AES is the servicer. I have been required to make payments since XX/XX/2022. Interest is being charged and has been charged throughout Covid. I have XXXX subsidized and Unsubsidized consolidated loans. I received the maximum pell grant amount while I was in college. Who is receiving the interest being charged to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX and XXXX XXXX are both currently double reporting on my credit file. This is in clear violation, and needs to be fixed. they can not ding me twice on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account XXXX last payment was in XXXX this is 8 years ago. Please remove this old account and stop reporting.

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