BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Experian Information Solutions 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:
My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in 2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.

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 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in 2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.

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 2020-01-31
Company: EQUIFAX, INC.
State: NV
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  has not updated my XXXX XXXX credit card balance as XXXX for 3 months now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection for a credit card that I never applied for. I have never utilize this charge account what so ever. I have reason to believe someone may have obtained my information to open this account without my consent. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
FOR 7 years XXXX has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXXXXXX first investigation and subsequent reinvestigation, XXXX stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX   has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL  OBLIGATIONS TO XXXX OR ANY OF THESE NEGATIVE ACCOUNTS! XXXX HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account FROM XXXX BE REMOVED! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2018-12-05
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an application to Citimortgage on or about XX/XX/2018 for a loan modification on my mortgage which converted from an interest only loan to an amortized loan with a 20 year amortization in effect more than doubling the payment. The home is underwater as well but would like to keep it as we have lived in the home for more than 16 years and have children in school. I have been submitting any and all requested documents on a timely basis and have kept in constant contact with Citimortgage and thought things were moving along when on XX/XX/18 I received a letter from a law firm representing Citimortgage demanding full payment of the mortgage plus penalties and interest and says in paragraph 6 of the letter that the law firm can file a foreclosure immediately and does not have to wait 30 days for a reply. I have additional correspondence from CItimortgage stating that we do in fact have an ongoing application for modification relief at this exact time period. I also received a phone call from a Citimortgage collection account employee on XX/XX/2018 at XXXX CST who identified himself as " XXXX '' - he said his purpose of the call was to see if we were going to pay off the balance of what's due ( he quoted a number ) and then when I said I had a modification in review right now he paused and said we were in foreclosure and said he could transfer this call to " litigation '' if I wanted to speak to them. I did and he tried to transfer but I was disconnected. Today XX/XX/2018 at XXXX CST I received a call from " XXXX '' at Citimortgage employee ID number XXXX who also said I was in foreclosure and asked what my intentions were- I said I was in a modification review and she placed me on hold for a long period of time and came back on and asked me to keep holding - I couldn't because I was at work. It seems like a case of " dual tracking '' and that's my complaint.

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 2021-04-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My HIPPA rights have been violated. Wakefield and Associates sent me a validation of debt which included procedures and medications received without any HIPPA release form. I have not signed any HIPPA release form with Wakefield and Associates. In addition the personal medical information was seen by an unauthorized 3rd party who was unaware of any of the procedures that were performed. I have a copy of the statement sent and Wakefield and Associates should have a copy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Thursday, XX/XX/2018 ( for the second time in a two month span ) PayPal has decided to freeze my account. They will not tell me why they froze it. They blame the IRS and per their XXXX comments from other patrons, Im highly doubtful I will receive my money and be able to use that account. I need that money to run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Transunion has some inquiries and information on my report that they have not investigated even though i have reported these to their fraud department. No resolution has been provided. There is a XXXX XXXX  bank account on my Credit report. This account is showing late incorrectly. I have been a victim of Identity theft. I want this account deleted and blocked from my credit file. Additionally there is inquires that i have reported to you that you have not removed. I am attaching an AFFIDAVIT once again. Please remove XXXX Inquire, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. These are all inquiries i did not submit and i want these deleted / blocked immediately. Also i want the XXXX XXXX blocked, The two XXXX / XXXX XXXX Cards blocked which show as lost / stolen i did not open these cards and they are fraudulently reporting on my credit file. I will attach the FTC Affidavits below.

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 2021-08-16
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have made three attempts since XX/XX/2021 to have the flood insurance requirement reexamined. FEMA issued a XXXX on that date that would allow us to significantly reduced, even eleminate our {$1700.00} flood insurance premium. Each attempt I was told that it would take 3-5 business days to review and then I would be notified of the findings. The last attempt was on XX/XX/2021. I have still not received any communication. Without the lender 's permission, my insurance agent is not able to make adjustments to the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have disputed two charges and Bank of America denied disputes without a valid reason. The dispute for XXXX was unauthorized and Bank of America said they obtained the proof of the sales slip. When I asked to see it ( my signature ) Bank of America was unable to provide the proof to me but still denied the despute. This is a violation of fair credit billing act. The second dispute for XXXX was for XXXX rent a car, same company, for services not rendered ( my car  wasnt available for 3 days after it was promised yet the full charge was charged. I provided proof of reservation showing the correct dates, yet Bank of America still didnt do anything )

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 2019-02-18
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A document was sent to me dated XX/XX/2018 stating that I owe a collection to the apartments XXXX XXXX XXXX. This letter is not accurate for one the date is incorrect and when I moved out in XX/XX/2018 i owed a {$0.00} balance. I received my security deposit back a few months after I moved out. 

When i received this letter, I called the said apartments and they told me that they did not send any amount to this " National Credit Systems, Inc ''. I have called the collections agency multiple times explaining the situation and provide documented proof with the date of XX/XX/2018. Of course they don't believe it coming it from me ( the consumer/victim ) even though I have provided proof this is not right. I have tried contacting their higher supervisors and managers and have not received any phone calls back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Gla Collection Compa has sent a debt to all three credit bureaus of a {$32.00} debt that was handled by my Medicare and Medicaid. I have spoken to my Medicare insurance provider and they stated I shouldn't have any claims sent to the credit reporting agencies as this is an violation under the FTC under Medicare Filings act. XXXX XXXX XXXX XXXX sold the account to GLA collection which I notified GLA of this violation and they told me they was going to continue to report it anyway to the credit bureaus. I sent legal affidavits to the credit porting agencies and GLA keeps verifying the debt is in compliance of the FCRA which it isn't. Now I am requesting the CFPB to get involve, Medicare has stated to me several times to file with the CFPB against GLA, since GLA willful violates federal laws.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: EQUIFAX, INC.
State: MD
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:
I contacted the Equifax office of consumer affairs on XX/XX/XXXX to request a copy of my credit file. I was advised that someone would contact me. I did not hear back from anyone so I contacted them again on XX/XX/XXXX. Once again I was told that someone ( the person handling my file ) would have to contact me back. I contacted them again on XX/XX/XXXX and was finally told by a representative that they would send the report out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened a Trust Checking account on XX/XX/XXXX, No checks were required for the account, Blank Checks were issued by the Bank anyway that were not ordered. XX/XX/XXXX The Bank mailed the Blank checks to an incorrect address. 
The Blank checks were intercepted by someone and wrote fraudulent checks against the account draining the account. Total {$14000.00} ( XX/XX/XXXX to date ) No statements, alerts, calls or notices were sent to advise me of the fraud against my account. 
I did not issue an online account until i was ready to use the funds I called customer service as to assist me to login to the account as i could not log in. When logged into the account XXXX/XXXX/XXXX, I saw that the account was in the negative. 
All the monies had been drained from the account and I was being charged fees for having a low balance and return checks fees. 
I immediately as for a claim on the phone with the claims dept and filed a police report, On XX/XX/XXXX I called the bank as i had not received the fraud packet and they informed me that my claim was denied. I submitted a dispute telling them that they send checks i had not ordered to the wrong address. Then i immediately received a second denial. 
I just want them to honor the fraud as i did not order the checks to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-13
Company: CITIBANK, N.A.
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:
I have, many times, sent dispute letters to both Macys and Credit Bureaus requesting the correction of their inaccurate late reporting on my account. They have not done anything. Even when I engaged CFPB, they do not care. Attached is my complaint, Macy 's response and the proofs of payments I made in those " Lates '' mark that they claim I am late.

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 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
From XX/XX/2018 I have been disputeing two account with TranUnion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX  or any means of automated verification. yet TransUnion allowing XXXX XXXX  and XXXX XXXX XXXX XXXX to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX and place a Fraud Victim alert on all my credit report. yet they file to remove these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I applied for a {$500.00} payday loan in XXXX and was approved. Since, I have paid {$150.00} every two weeks for my loan..which in reality, is paid off. The company ( Cash Aisle ) wants me to continue to pay PLUS in order to pay off my loan I must pay {$500.00} plus the {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I've had an auto loan with XXXX XXXX XXXX ( XXXX ) with a retail installation date of XX/XX/XXXX. Since XX/XX/XXXX, I've been timely and consistent with my auto loan payments of {$530.00}. This account/contract reached full term in XX/XX/XXXX with a total payoff remaining balance of {$7400.00} ; principal balance of {$7200.00}, accrued interest of XXXX, and other fees and charges of {$150.00}! I was notified via account statement that this payment was expected in full by XX/XX/XXXX. Being that my wife and I could not make the substantial payoff payment, we entered a Renewal/Reschedule contract in XXXX. We were informed not to proceed with the regular schedule payments due to the fact that the date and renewal monthly payment amount would change. I inquired if the changes would cause any blemishes on our credit report and was informed that it would not. It did not reflect negatively for XXXX, but unfortunately my credit report is indeed reflecting a late payment in 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 2018-12-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In reference to fraud to account corresponding to CFPB Case XXXX. 

I have presented TD Bank with disclosure of concerns pertaining the fraudulent use of my account and identity theft. TD Bank has noted that the fraud claims presented under REG E claim XXXX and REG E XXXX have been resolved statinng appropriate action has been taken to resolve the matter and mitigate the losses of monies. To this date the remaining REG E claim has not been address appropriately corresponding to the same recurrence of fraud and identity thief for a debit card that was issue to a third party without my authorization. Further, I have requested the account to be close and will not be making business with TD Bank in demonstration of my disagreement with the poor practices of XXXX XXXX, Assistant Vice President, NMLS ID # XXXX who handed me a check with the balance corresponding to the credits to the account as resolution of fraud without even an acknowledgement of the consequences that this has had on me and my business. 

I have visited TD Bank located in XXXX XXXX and the teller XXXX XXXX has said that she would reach the corresponding department for appropriate action. I was hoping to meet with a customer relationship specialist, but XXXX XXXX thought that she would resolve my concerns from the teller window, which she failed to do. I certainly expect that regard be employed towards what this process has been and how I have been prevented from a proper resolution. In relation to the response to the previous CFPB complaint, I am not in understanding that the final REG E claim has not been handled with propriety to this date and expect appropriate action.

Company response to consumer: Closed with explanation