BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: Meridian Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The actions against me was taken by XXXX XXXX XXXX XXXX, who has now sold the debt to Meridian Financial Services for XXXX, and XXXX. This is a time share in XXXX, XXXX, that I have NEVER owned, NEVER used and has probably been sold to several people. The event was in summer of XX/XX/XXXX-XX/XX/XXXX ( approx. ) I cancelled this account approx. within a few months due to unforeseen circumstances of me loosing my job and loosing my home. They ( XXXX XXXX XXXX XXXX ), is famously known in the time share world as a scam and a fraud. They will promise you the world and deliver nothing. As much as you try to speak to somebody to cancel, they ignore you and threaten to send you to collections if payment isn't done in full. I called and even went to an office in XXXX, Nevada, and they said they would cancel it ( this was in about XX/XX/XXXX ) and they ( XXXX XXXX XXXX XXXX ) has now has placed 2 collection accounts on my credit report, ( XX/XX/XXXX ). These prohibit me from being able to rent a home or an apartment, requiring me to have a cosigner. Both of the accounts placed on my credit report are the same people, same company for different amounts. Why different amounts? I am unsure.This also had me in a tight spot on purchasing a vehicle. I need to know how I can correct this, and have it removed from my credit 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 non-monetary relief
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have opened the citi checking/saving account on XX/XX/2018 but approved after XX/XX/2018 -- see the email proof I have received from citi. There was a promotion {$400.00} cash bonus after Maintain a  minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days.Get {$400.00} deposited to your account! I opened on XXXX XX/XX/2018 but I have received email on XX/XX/2018 saying that my account is active. I start deposited the checks total {$15000.00} before XX/XX/2018. The citi denied {$400.00} promotion because there saying I didn't deposit within 30 days. I did deposit before 30 days. The citi is counting days when I applied account online not my from when account is approved.There are saying I opened account on XX/XX/2018 but I couldn't use the account till XX/XX/2018. 

Email proof when account is active. 

Dear XXXX XXXX, on Tue, XXXX XXXX, XXXX XXXX Congratulations! You are on your way to becoming a new Citibank account holder. There are, however, a few more steps to complete before you can start using your account. 

Important : Click here for the additional steps required to activate your new account. The sooner you complete these requirements, the sooner you'll be able to take advantage of all the benefits of your Citibank relationship, so please respond today. 

We look forward to welcoming you as a new customer of Citibank. We are committed to the quality of our products and services and look forward to providing you the best service possible! 

Sincerely, New Account Opening

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 2018-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently in the process trying to secure a mortgage for a new house. When my lender went to process my file I showed up as having a foreclosure in the last 3 years ( XX/XX/XXXX ) ... This is where my complaint starts, and it is in regards to my previous mortgage situation ( XXXX XXXX I believe acquired by Bank of America ) that I secured in XX/XX/XXXX. Starting in XX/XX/XXXX, CountryWide initiated the foreclosure process ( See Attachment # 1 ). In XX/XX/XXXX, I vacated the property and started the process for Chapter XXXX bankruptcy. The bankruptcy included the property ( See Attachment # 2 ) and final judgment was issued XX/XX/XXXX ( see attachment # 3 ).  Then in XX/XX/XXXX the foreclosure case initiated by Countrywide was dismissed because they failed show up to a hearing according to court records ( See Attachment # 4 ). I believe the mortgage* was acquired by Bank of America through their acquisition of XXXX XXXX . In XX/XX/XXXX, Bank of America initiated the foreclosure ( See Attachment # 5 ), final judgment issued XX/XX/XXXX ( See Attachment # 6 ) and sold the property to XXXX XXXX as of XX/XX/XXXX ( See Attachment # 7 ). This means that the property wasn't foreclosed on for roughly 9 years. I did some research ( I understand not official ), but there were articles referencing in the state of Florida companies have years to file foreclosure and then in XX/XX/XXXX I believe there were a few appeal cases that allowed lenders not to go by the 5 years ( I don't know too much about this ). I believe the lenders have an obligation to foreclose on the properties in a timely fashion. This is something that is almost a decade old and it is preventing me from purchasing a new at this time even I followed the correct process back in XX/XX/XXXX. This foreclosure is showing up in the HUD CAIVRS report as a foreclosure in the last 3 years. It is not fair the lender did not timely foreclose on this property. I believe this potentially could be an unethical and unfair practice by the lender. It took them 9 years from when the initial foreclosure started in XX/XX/XXXX. I did my part and they did not do theirs. This should have foreclosed back in XX/XX/XXXX, but they failed to show up to their own hearing. Thank you for taking the time to review this and their practices. I hope this can get resolved as I am currently under contract for a house with a closed of XX/XX/XXXX. Have a great day.

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 2018-03-28
Company: R.A.Rogers, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a letter in XX/XX/XXXX to R.A. Rogers Inc. for them to validate a debt that is currently being reported on my credit file as I sent out one in XX/XX/XXXX and never received a validation. I received a letter in XX/XX/XXXX saying they sent out one previously and will not be sending out another letter to validate the debt but has stated that they will ignore all other request from me that I send to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: WA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2018-11-27
Company: GOLD KEY CREDIT, INC.
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: Account status incorrect

Complaint:
My credit report reflects a balance of {$380.00} unpaid from Gold Key. 
This is a medical bill charge. I was unemployed at the time, and granted financial assistance, taking my balance down to {$76.00}. This was paid. I had to send backup information of my unemployment and no unemployment benefits multiple times. I also had to send my husband 's information. This was received and I went to the highest supervisor at the medical company who gave me the amount due, and had a bill sent. Due to incompetent representatives, this went on for months. The bill was finally sent and paid XX/XX/XXXX. It did not clear until XX/XX/XXXX. There was no balance due of {$380.00}. Bills were paid, or financial assistance was granted. No collection agency should have ever touched this account because I was working with the medical company directly. 

Email 1 shows much of my communication back and forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me

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 2018-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
RE : CHASE AUTO XXXX Dear Consumer Financial Protection Bureau , The reason I write to you today, is because I have an auto account that is reporting me late, even though the account has been paid for years. 

Please find the below screen shot that is was provided to me by Chase. You will see, that from XX/XX/XXXX to XX/XX/XXXX there were no fees. Then, in XXXX, XXXX, a fee is assessed resulting in the consequent late payments below. 




Additionally, please note, that Chase is indicating to the bureaus that the payment status is 'late 90 days ' while in fact, the account is paid off with no balance showing. 


My credit has suffered because of their error and I would request that Chase remove this account entirely from my credit report, as recompense for their error, which has caused me to pay higher interest rates since this error was reported almost two years ago. 


Many Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in reference to the XXXX XXXX  entry Account Number:XXXX entry listed both on my XXXX and XXXX   credit reports. I have contacted XXXX XXXX  several times viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. 
In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: HI
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:
Equifax XX/XX/XXXX, XXXX XXXX SOL : :XXXX XXXX XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXXXXXX XXXX Promotional Inquiry Soft XX/XX/XXXX XXXX XXXX Account Review Inquiry Soft Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-21 Promotional Inquiry Soft These inquires were NOT MADE by MY Permission. ( what's promotional inquiry? / SOFT inquiry ) Who gave them permission?? Why did Equifax not alert me??? WHO allowed them to TOUCH MY CREDIT REPORT????

XXXX XXXX DID NOT take my authorization to secure my credit report for an application for Credit increase.

THEY HAVE DAMAGED MY CREDIT SCORE for the WORSE.

I GOT DENIED for a mortgage due to open / too many credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Jon Barry and Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened CFPB case XXXX where Optimum Outcomes took longer than 30 days and did not provide adequate information to verify the debt. I didn't receive an original bill that would prove the debt ( with information such as the company logo, company address, description of services performed, cost of each service, etc ). This took longer than 30 days and is now past 60 days, and they have not provided any bill or anything that provides real evidence of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  has sold my private information to resurgent without my authorization. I am to receive compensation for damages, they have violated my right to privacy. Pursuant to 15 usc 1692 ( e ) They are in violation of the ( FDCPA ) fair debt collection practices act, 15 USC 1692c ( a ). They do not have consent they are in violation and I am seeking damages XXXX XXXX constantly keeping selling my private information to different companies that currently harass me daily by phone and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/18 approximately 71 days ago. Complaint showed to be received by company on XX/XX/18. It is now XX/XX/18 and I have yet to hear from the company. The FCRA gives the company 30 days to respond, and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Purchased home in XXXX with my now ex-husband. 
We did an XX/XX/XXXX loan. 
2 loans one covering 80 % and a 2nd loan covering the 20 % My name was the only name on the 1st loan 80 % and we were joint on the second loan. 

We filed chapter XXXX bankruptcy in XXXX and it was charged off. 

The first mortgage was reaffirmed the 2nd wasn't. 

I refinanced the first mortgage in XXXX. Again the promissory has always been I my name only. Yet the Deed of trust filed to the court clerks office has both of our names on it. This is an error. The promissory note and the deed of trust are supposed to match. 
The Deed to the home was signed over to me only from both of our names. 
I can not get the mortgage company to correct the Deed of trust even though they state I am the only name on the Note. 
This is causing a huge problem with getting covid19 mortgage relief assistance since my ex-husband is still on the deed of trust. 
I would have to include him on the application. 
I can't get approval for refinancing since I am a stay at home mom and my current husband works. 
The mortgage is to stay in my name only. 
How can I get my mortgage company to correct the deed of trust without refinancing to match the promissory note?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions 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 information incorrect

Complaint:
These are accounts that I settled with the original creditors ... these accounts should have never went into collections ... Experian declines to forward me any proof, documents or contract proving their claim or the claim of the collection agencies ... this isn't accurate at all ... I have contacted creditors, and I was told that they did not verify these accounts for Experian ... F.C.R.A. law is being violated and so is my rights ... 



DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-07
Company: Scott Fetzer Financial Group Inc.
State: CA
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 reviewed a copy of my credit report and UNITED CONSUMER FINL S ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights and a violation of my rights to privacy. Please investigate and remove such occurrence. 

Previously, I called and sent a letter to UNITED CONSUMER FINL S and asked the company to take action to get this unauthorized inquiry removed from your records, yet this unauthorized inquiry is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a victim of a fraud where my Chase online banking information was hacked and someone tried to XXXX their account. The hacker first sent {$550.00} to a recipient on my list which went through and then tried to send {$250.00} to their own account which was flagged by Chase since I do not have a history with that person. My account was restricted and I was forced to go into a branch and was advised that I needed to open a new checking account and have all the funds transferred over. The funds transferred to my newly opened account was correct except it was missing the {$550.00} which was still in that recipient 's account. I reach out to them and they confirmed that the money was in their account but Chase had froze his account as well and he was not able to access that money to refund it back to me. We both called in on a 3 way call to open a claim and they later transferred us to a different department who told the recipient that Chase is ending their relationship with him and he could no longer have an account. The same thing happened to my account moments later and we were both told that we would no longer be allowed to bank with Chase Bank and they are closing our accounts. They later told us that the account would close in 10 business days and up to another 7 business days to get our funds back in the mail. Completely unacceptable given the circumstances, I was a victim of a fraudulent activity and Chase has literally gone above and beyond to make this experience worse for me and even as far as to close out the account of the recipient who has nothing to do with this and has even offered to refund me the money!!! Now we both have to wait 17 business days to receive our funds back and can no longer bank at Chase that I actually used to work for. Unacceptable behavior as a bank and company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON TRANSUNION ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, TRANSUNION STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.

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