BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Affirm Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2022 Affirm account number : XXXX Loan ID : XXXX To Whom It May Concern : On XX/XX/2022, I was approved by Affirm.com for an online purchase for a XXXX  Controller Case from The XXXX XXXX Before I purchased this Case, I called Customer Service and asked about the case, asking will the case fit my Controller without any problems. I was told the case will be a perfect fit. I went ahead and purchased the case. A Few days later the case arrived. Once I opened the box, I immediately noticed the case was huge and heavy, and it did not fit my controller as stated by customer service. 
I immediately called customer service and advised them the case was too big and it was very heavy. I asked for a return slip, and I was told the case was a Clearance sale, with no returns. When I placed the order, I did not notice any clearance sale. At this time I immediately called Affirm.com, advising them I am canceling the order and sending the case back to The XXXX  Hookup costing me {$56.00} and returning the case on XX/XX/2022. 
After calling Affirm several times to resolve this matter, they continue to bill me for payments and ruin my credit for {$360.00}. Last month I applied for a {$5000.00} business loan, I was declined and told I have a past due account since XX/XX/2022 with Affirm.com. I need your help to litigate this matter, asking for damages to my credit reputation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
( Cashapp ) I by mistake sent a {$1000.00} to XXXX XXXX the Wrong person who has the same name as who I would have sent money to. I tried to request money back from this person they said no. I then requested that cashapp cancel the payment I was told they can not do so. I need my money can someone help me my number id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Westlake Services, LLC
State: MN
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:
Westlake financial services has stolen my Truck late Sunday night. I have XXXX dollars as my balance. I just paid on time XXXX on XX/XX/2022 as our agreement. Every month a pay XXXX on the XXXX. On XX/XX/2022 elven days after I paid my car note they stole my car. They tried to make me pay over a XXXX dollars for it back. Once I told them that I have in my checking account documents of me paying each month on time. They then said it was an computer glitch on their end. They will be returning me my truck. I still have not received my truck. I spent over XXXX XXXX dollars on my loan for the truck. Once they seen that I was about to pay it off they stole it. I called and reached out with them every hour on the hour about returning my truck and in the condition that it was in. Still no truck. Now they are blaming the tow company. I missing work hours to deal with problem. This was a scam and I want all parties involved to pay for it. Now I'm carless and stranded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I did not apply for a mortgage, I used a mortgage calculator online to estimate a loan cost. Since then I have received non stop calls and emails from rocket mortgage. I have asked to be placed on do not call list and selected unsubscribe to every email I have received. Nothing stops the calls or emails and they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, PayPal received a {$1700.00} payment to my account from a client and deducted a {$62.00} fee to process the transaction. Due to login access problems, I called by phone and requested the funds be disbursed directly me. 

On XX/XX/2022, PayPal posted a transfer of my remaining {$1700.00} balance as a " Payment to : PayPal '' and coded it as a General Account Correction, ID : XXXX. Despite repeated attempts to rectify this issue with PayPal their automated " Resolution Center '' will not accept my report of a problem and assign me a case number. Their " Message Center '' will not allow me to file a dispute. 

Even talking directly with numerous supervisory representatives including their Escalation team no one would open a claim or case on this matter. The only response I have been able to receive in months is that the matter has been escalated to their higher level team and a response will be coming via email within 24-48 hours. No response ever arrives. They have exceeded their internal timeline for review before arbitration should occur yet I have no active internal path forward. 

Supporting documents are being submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Received a 0 % APR until XX/XX/2023 on balance transfers in XXXX from XXXX. I received their cashier checks to make the withdrawal and use the money to pay off the other credit card. The withdrawal for the balance transfer I made was for {$4500.00}. I continued using my card to pay for items, and paid down to {$4500.00} to make sure I don't get hit by any additional interest on anything above the promotional balance. 

I paid down the amount to {$4400.00} to ensure that this wouldn't happen again and that I have some buffer between my promotional offer and the rest of my usage. 

On XX/XX/XXXX I still got hit with interest rate even though I was under my promotional balance of {$4500.00}. I called USAA and spoke to a representative and he confirmed everything was good on his end and he didn't know what caused the interest fee. So he had it removed completely. Now a month later XX/XX/XXXX and I am still getting hit with an interest fee. I spoke to representative today at USAA, XX/XX/XXXX, and they claim they now can't find any agreement we have made nor any balance transfer promotion even though I still have the original email which they can't seem to locate at all on their end. This is an extremely shady business, and this isn't the first time they add fees or interest on promotional offers. They had to settle out of court a few years ago for the exact same thing and now they are still doing it and it is incredible to me that they are being allowed to get away with this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Global Credit & Collection Corporation
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The company is called affinity global they were called global credit collections. They keep calling my landline asking for XXXX XXXX who no longer lives here. They got there information from a site that u have to pay money to get that persons phone number and other information. I have sent them a electronic written letter saying for them to cease and desist but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a new vehicle on XX/XX/XXXX and traded in my XXXX XXXX XXXX financed through XXXX Finance. On XX/XX/XXXX I received email confirmation that my loan balance had been bull. On XX/XX/XXXX, XXXX XXXX  drafted my automatic schedule payment of {$750.00} from my bank account. When I called I was informed it would be refunded in 10 days. I asked to speak to a supervisor who informed me it would be refunded in 21 days and there was nothing further they could do to expedite. I requested to speak to a manager and was informed they did not take calls, then that they were " in meetings '' and they had no voice message availability. 
I understand the reason the payment was taken was because I was set up on automatic payments ( their requirement ). However, the account was paid in full prior to my payment date. They tell me it takes a day or 2 to process. That is not my problem or my fault and having to wait 21 days for a refund when they stole my funds in nanoseconds is completely unacceptable. We live in an age where monies can be electronically transferred in seconds ( next business day to process at the most ). If the role was reversed and I had not paid them, they would not have given me 21 days to make the payment, it would have been demanded immediately or I'm in default on the loan. I was also told the automatic payment was a requirement to get the interest rate I had on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: PA
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:
I have called many times to have my hard inquires looked at. I have so many on to list! I have stated to remove all that werent linked to an account on my credit file and it still wasnt done. As I should mention I am single never married. I had a man on my credit file with me and was recently deleted. My date of birth was incorrect an My spelling of my name, Which all was taken care of please review my inquires hard an soft as if none are connected to an exisiting account I need them removed as I have rights an would like to finally have some help fixing my credit with what this man has done. THANK YOU!!!

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 2022-08-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 90 days late in XXXX, 120 days in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: LA
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX RO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-24
Company: Manley Deas & Kochalski LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with XXXX XXXX XXXX ( XXXX ) for XXXX years to keep my house from foreclosure. I have submitted all the documentation necessary, Prior to the due date of XX/XX/XXXX, to assume the mortgage and they have confirmed the submission. The assumption is now under review. ( attached document ). This process has taken so long due to the fact the mortgage company would not accept the Legal Affidavit submitted by my attorney. This affidavit is the legal document required for XXXX for the Deed. XXXX have just accepted this document in the past ( approx. ) 2 months. 

XXXX stopped the Sheriffs Sale for XX/XX/2022. However, their attorney and/or XXXX  has XXXX my home back on Sheriff Sale for XX/XX/2022. On XX/XX/XXXX, I spoke to the sheriffs office, XXXX, who handles the sales. XXXX stated at this time, a package was already put in for my home to be put back on sale. This package, to put my home back on the sheriff 's sale, was prior to my due date to get in all docs to the mortgage company. The mortgage company and/or their attorneys submitted my home for sale PRIOR to the stated due date. I can understand if I did not comply, but I did. How can this happen when they stated this due date and stated in a letter I complied on time? ( Letter Attached ) I need my home taken off the XXXX sale, and future sheriff 's sale dates, to give me and the mortgage co. time to get the assumption completed and then to bring the mortgage up to date via loan modification ( or another way ). Putting my house on the XXXX sale is going against what the company said. ( Letter attached ). They took my house off of the sale, but put it back on the next month. 

I have complied with this company for years! They have gone behind, over, around and under any morals and laws to try and get my house. The attorneys have not helped, mine and theirs. 

I have attached all the letters from the mortgage company and my notes when I spoke to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a email from Bank of America asking how I would rate my recent call experience with XXXX XXXX This occurred on XXXX XX/XX/2022. I did not call Bank of America on XXXX XX/XX/2022 so I was confused on why i got this email form Bank of America. On XXXX XXXX I contacted Bank of America on XXXX XXXX after my card had been declined at several establishments. I checked my phone and found a voice mail from Bank of America to call because there may have been fraud on my credit card account. I also logged into my Bank of American online account and saw there was a message to call regarding my credit card. I called Bank of America on XXXX XX/XX/2022 and validated that a charge on my card listed as an ACH Payment refund had increased the balance on my credit card by {$1100.00}. I have since contacted Bank of America by phone another time and actually went into their office on XXXX XX/XX/2022 in an effort to resolve this issue and get it investigated properly. My concern is that someone called into Bank of America on XXXX XX/XX/2022 pretending to be me and I am not sure what information was passed on to them by Bank of American personnel. I am concerned about identify theft and future issues with my Bank of America accounts.

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 2022-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, it started when I received checks from Wells Fargo. They offered zero percent interest with these checks for purchases, and balance transfers. Balance transfers had a fee for the transaction. 
So I used a check for a purchase, expecting the zero percent rate. After waiting for the check to go through, I noticed the balance to be higher than I expected. So, after looking at the charges made, I realized they had charged me for a balance transfer. The fee was something like {$120.00} dollars on {$3100.00}. So I called them to inform them that I was charged a balance transfer fee, yet it was a purchase. They told me that if I used the checks they were treated as a balance transfer. I explained that isn't the terms available in the documentation I received with the checks. I was supposed to get zero interest rate on purchases. This is not what occurred. I was charged a flat interest rate right off the bat. So this isn't a zero interest purchase, and they scammed me into using the checks, knowing I can't do anything about the charge. The charge was labeled a balance transfer, which it was not. Wells Fargo is ripping people off again! 
Please help, 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 2022-09-30
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: Account status incorrect

Complaint:
I am requesting a line by line investigation of the account listed below, In Accordance With the Fair Credit Reporting Act. This account has violated my federally protected consumer rights : XXXX XXXX XXXX Account # XXXX. 15 U.S. Code 1692b Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ; ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 U.S. Code 1692c Communication in connection with debt collection, ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation