BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I went to inquire about a car at a used car dealership, I was told that I needed my credit ran. I told them run it once with XXXXXXXX XXXX, which they didnt due. The used car dealership is XXXX XXXX XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. I didnt authorize them to run my credit 4 times. It was ran with companies that I didnt ask them to run it through. Date that it was ran was on XXXX. The companies were XXXX XXXX XXXX XXXXXXXX, CAPITAL ONE AUTO FINANCE, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Late fee

Complaint:
On XXXX XXXX, XXXX, I purchased iPhones online with PayPal with {$1200.00} with the condition of 6 Months No Payments + No Interest. PayPayl forced me to use PayPal card ( please see attached invoice note ), because other credit cards icons were not available when they were clicked. I did not like to use PayPal card because I lost XXXX % award, which I could always got with other credit cards. I believe PayPal violate the law to force me use their card. 
Second, I had never received any bills from PayPal until XXXX XXXX. PayPal billed on XXXX XXXX for {$75.00} for interest and late fee ( please see attached bill on XXXX XXXX, XXXX ). On XXXX XXXX, I called PayPal on a recorded line about the extra charges. Their representative, XXXX ( employee ID # XXXX ), explained that my new purchase on XXXX XXXX, XXXX automatically voided my 6 Months No Payments + No Interests benefits. I could not agreed with it, because 1 ) I was not noticed of it when I did the second purchase ( please see the attached invoice ) ; 2 ) I never signed any paper to void the first purchase benefits ; 3 ) XXXX purchase should have not done any things about XXXX purchase. They were totally separated and not related. 
Third, PayPal did not send me the bills in XXXX XXXX and XXXX XXXX, why I was subjected to the high interests charge and late fees? On XXXX XXXX, PayPal representative, XXXX, and his supervisor, XXXX XXXX, claimed their evidence for having sent me bills was they did not receive the returned mails. Their explanation is not acceptable, because no returned mails are never evidences for mails were ever sent out. I did NOT lose mails from other senders. The possibility is almost zero to lose mails from a same sender for consecutively two months. I do n't believe PayPal did ever send me bills in XXXX XXXX and XXXX XXXX. Let me tell you, I always pay off my credit card bills on time. You can check my credit payment histories with XXXX XXXX, XXXX, XXXX, etc. for XXXX. 
I sent dispute claim to PayPal on XXXX XXXX, but unfortunately, they refused to make corrections. 
Based on my experience, I highly suspect PayPal systematically manipulated the system : First, forces customer to use PayPal card with the trap of 6 Months No Payments +No Interests, Second, voids the 6 Months No Payments +No Interests with the excuse of a new purchase ; Third, do n't send out for 2 months in order to produce high interest rates charge and late fee charges. I believe I am not the only victim of their manipulation. I seriously request your authority to investigate my case and to stop PayPal wrong doings. I also claim {$500.00} compensation from PayPal for 1 ) refunding my payment of interests and late fee ; 2 ) damaging my credit ; 3 ) credit card award which I lost when I was forced to use PayPal ; 4 ) my time looking for solving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-05-08
Company: EQUIFAX, INC.
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:
The account is closed and charged off and needs to be removed from my credit report. 
I am still making payments on the account and I still have possession of the vehicle. XXXX XXXX XXXX is reporting false information that is negatively affecting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, the currently assigned CRM/SPOC was the CRM/SPOC assigned to this home loan mortgage account XX/XX/XXXX through XX/XX/XXXX and she has demonstraited her lack of knowledge of all applicable laws, regulations and guidelines governing Bank of America and their representatives and agents during and throughout the modification and loss mitigation process. Please remove this latest assigned - and re-assigned -CRM immediately and upon receipt of this request to do so. 
It should be noted I have been I unable to speak directly with this SPOC during her first assignment as SPOC and have been only able to leave voicemail messages as directed contact had been unsuccessful and impossible at a time when direct contact is most essential during the modification and loss mitigation processes. I have also been unable to make contact with anyone in the SPOC 's unit or this SPOC/CRM supervisor even though I have requested exactly this. I have made a previous request that she be removed as the CRM/SPOC and the newly assigned CRM/SPOC conduct a full and complete review and case escalation into my concerns about the invalid and defective recorded Notice of Default ( NOD ) of XX/XX/XXXX which, as of this writing, I have not received a XXXX XXXX County Recorders Office certified recorded copy. I have also requested the XX/XX/XXXX Notice of Default be withdrawn since it is recorded and attached to the XX/XX/XXXX Trust Deed and not the XX/XX/XXXX Modified Trust Deed and therefore invalid and this home loan mortgage account can not be deemed as defaulted.

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 2016-11-07
Company: Paypal Holdings, Inc
State: GA
Product: Credit card
Issue: Other

Complaint:
I want this fraudulent, unauthorized information removed from the credit reporting agencies. I am a XXXX XXXX XXXX XXXX woman trying to repair my credit after my 20 year marriage ended. PayPal has been making unauthorized, fraudulent hard pulls that have caused my credit scores to drop. I am trying fervently to get PayPal to remove ( XXXX ) XXXX XXXX XXXX dates XXXX XXXX, XXXX and XXXX XXXX, XXXX from my credit report. I have followed their instructions to make a written complaint two times, and have made several calls with no resolve. Each time PayPal has sent me a response stating that they are not able to make any removals, they will have to be done by the credit reporting bureaus. When I contacted the bureaus they said only the companies in question can remove them. I contacted PayPal again and they now say that their back office can not remove anything because they have 'no proof ' that I never applied for credit!! That is like their word against mine. They have me going in circles. The only credit pull that was authorized was in XXXX of this year for a secured XXXX XXXX credit card in an attempt to repair my credit. I am including all correspondences that I have made with these entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: EZCORP, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting a call on my work phone from XXXX, which when I try to answer it, due to their robo-calling, it will not pick up. It just keeps ringing. I have spoken with them ( EZ Loan ) and have asked them to quit calling my work number. Yet, every day, they continue to call from this auto-dialer. They have my cell phone number, and have NO reason to call my work repeatedly with a phone number that can not even be answered from our lines. 
It 's bad enough when they call my cell phone every morning between XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14
Company: Brown and Joseph, Ltd
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A man named XXXX XXXX from a collection agency called XXXX XXXX XXXX in Illinois made a harassing phone call to our business today. He claimed that we owed a company called XXXX XXXX for a surety bond related to a shipment that was delivered to our building ( XXXX XXXX XXXX XXXX, XXXX PA XXXX ) in XX/XX/XXXX. 
We have never done business with XXXX XXXX. We have never requested a surety bond from any shipping company. We did not even own the building in XX/XX/XXXX. We bought the building in XX/XX/XXXX. 
XXXX XXXX claimed that we had received multiple notices from XXXX, which we had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MS
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 am enraged at the unlawful acts of Equifax Credit Reporting Agency. I have mailed several dispute letters to the company and they have failed to comply with my demands. I have pointed out several errors on my credit report which they continue to " verify '' the erroneous accounts. I began disputing these accounts in XX/XX/XXXX. I have not had any success with this reporting agency. It is to my knowledge that according to the FCRA Section 611 ( 15 U.S.C. 1681I ) that all reporting agencies must report " ... the completeness and accuracy of any item of information contained in a consumer 's file ... the consumer notifies the agency directly or indirectly ... the agency SHALL, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate ..., or DELETE the item from the file in accordance .... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ... '' I mailed a dispute letter to Equifax on XX/XX/2021 asking them to provide to me their method of verification on the accounts they continue to report as " verified '' and accurate. I have mailed in additional documents showing the inaccuracies and incompleteness of their reporting on my credit report. Equifax continues to disregard the law and report inaccurate accounts that I have demanded them to remove. They have failed to supply the documents they used to verify the accounts on my credit report. 
This has taken a toll on my life in major ways. Equifax has taken the law into their own hands. It is now XX/XX/2021 and I am just now received a letter in the mail dated for XXXX XXXX only showing " verified '' again with no supporting documents. I refuse to stand by and have my consumer rights violated. I will supply my supporting documents with this complaint. Equifax has taken more than 30 days to respond to my disputes and they also refuse to remove these erroneous accounts that are inaccurate and incomplete. If this fails, I am ready to take legal actions while providing my evidence and supporting documents showing Equifax has taken the law into their own hands and Equifax will have to travel to defend themselves at their own expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as possible.

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 2018-05-30
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:
Equifax just responded to my complaint about numerouse hard inquiries that are not true. Ive called these people just as equifax advised and have been told they did not report any thing about me that I need to contact equifax who will not acknowledge I am me. the cfpa site is my only means of contacting equifax. Even though supposed inquiring company has no record of these inquiries Equifax is holding firm that there imaginary records are factual and that Im mistaken. Im getting nowere. I really dont want to get a lawyer or file in small claims court as Im terminally ill. Equifaxes identifying info about my birthdate and other identifing info is also incorrect as well as the fact they have multiple files on me for some reason. I was also part of there data breach and Equifax feels its resonable to demand I provide Drivers license, S.S. card, Birth Certificate when they have already given my info to supposed hackers. I also find it supiciouse that equifaxes version of life lock came out near the time of there breach. Awfully convienient if you ask me. How do I get resonable reply from equifax? I want to see these applications for credit and what is making them believe I have applied for XXXX cards automobiles, etc. Please show me were Ive done any of this. Also companies are telling me that they have nothing to do with these inquiries. Cant we have a conference call so everybody can verify Equifax has some how generated things out of thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The company Stallings Financial Group has been harassing me and threatening me about a debt for a doctor that I visited. I explained to the person that I was going through financial hardships and that I was unable to make an arrangement at that time. I asked to speak to a supervisor and was told he was the supervisor. I have a very sick child and have lost my job due to budget cuts at my company. The supposed supervisor was extremely rude and belittling during our brief conversation and exhibited the worst customer service I have ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: MD
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:
This is the wrong creditor for the item XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage lender ( Bank of America ) has done XXXX specific things that have cost me significant time and money:1 ) They refused to cancel my PMI for several months despite the remaining value of the mortgage falling below 80 % of the purchase price of the home. They claimed late payment for one or two mortgage payments as the cause for continuing to charge PMI yet the payments were set up as recurring in their system. Due to their system error, my payments were late ( both my checking account and mortgage are with Bank of America ). I was refunded the late fees because it was their error yet they still charged me PMI past the 80 % threshold. 
2 ) They are taking an egregious amount of time to process my refinancing and continue to increase the fees. I began the process of refinancing my mortgage in XX/XX/XXXX. I lost my job two months later and Bank of America was not able to complete the refinancing in those two months so I was stuck with a higher cost mortgage while unemployed. I now have a new job and re-started the refinancing process two months ago. This past week, they asked me what kind of home is subject to the mortgage. They have held the mortgage for nearly ten years, had me pay for an appraisal earlier this year and still do not know what kind of home it is? In addition, the fees they intend to charge have gone up significantly from earlier this year to today - an increase of over {$3000.00}. I am just frustrated because each month that passes is an additional month that I pay a higher interest rate. I am essentially paying them to take their time. On top of that, they are increasing the fees and asking me to pay for a XXXX appraisal in XXXX months. 

Finally, I have tried repeatedly for literally years to get a copy of the loan documentation from Bank of America where we agreed on the PMI and they have not been able to locate it. They have told me that I needed to pay PMI and did not have a choice in the matter and it does not matter that they have no record of me signing any documentation related to PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There were always escrow shortages and the monthly payment increased to cover the shortage.

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 2017-05-20
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My original complaint against this collection agency was : #  XXXX  The collections company agreed to remove from my credit report and withdraw all claims against me.     When I go into the credit report on  XXXX , it was removed, but now it is back. This should be deleted from their records and removed.     Can you follow up with :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  So they actually do what they agreed to do. This is still showing up on my credit report and they agreed to remove it in the original claim f rom Consumer Finance la st month. They have n't done what they told you they would do.     Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I suddenly discovered that Bank of America had closed out one of my credit card accounts after I had fully paid it off and the other XXXX credit cards the credit limit was reduced to the outstanding balance I still owed without my permission or knowledge and for no good cause. I 've had those accounts for several years and kept a loyal relationship with BOA and slowly worked my way up. Since I was not properly informed by BOA my credit card was closed out, I received a late fee charge on a bill I paid and the payment was rejected and had to pay the full outstanding amount in order to restore my service for a total of {$560.00}. I would like BOA to reimburse me and to re-open my my credit card and restore the line of credit I had achieved on all my BOA credit cards. Closing out my account and reducing my line of credit will affect my credit score and has affected me personally. I also filed an internal complaint with BOA on XXXX XXXX & XXXX, 2016.

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 2021-07-28
Company: Experian Information Solutions Inc.
State: FL
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:
Experian Our credit bureau that holds the key to everything says I have two files one with the last name XXXX which I have never been married but it was a alias on my credit report also They have the wrong phone numbers for companies that they are displaying as inquiries on my report Ive sent them my ID and my social and identity theft report and they refused to take XXXX off of my account which XXXX  told me in XXXX XXXX XXXX XXXX There was another name using my social and that was a medical bill experience is absolutely insane I pay for credit monitoring and I dont even get the right services they send me alerts and they dont even know where they come from and they continue to keep things on my report that are not mine

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