BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From XXXX XXXX  Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have been defrauded by Citibank for the total amount of {$65000.00}. 
Accounts involved : XXXX, XXXX. Accounts are in the name of Mrs XXXX XXXX, and are managed by my spouse, XXXX 's daughter, XXXX XXXX as Power of Attorney. 
Account XXXX, in the name of XXXX XXXX XXXX Estate. Also managed by XXXX XXXX, daughter of the late XXXX XXXX XXXX. 

Finally our personal checking account XXXX which was started 40 years ago. 

The problem : In the first week of XX/XX/2020, we noticed several checks that had been attempted to be deposited to all the accounts above. The amount was the same in almost all : {$4700.00}. All checks bearing addresses from upstate New York were made payable to XXXX XXXX. Most checks included XXXX 's complete Social Security Number, which in itself should have been a red flag. 
The next step of the fraud was made in person, where someone impersonating my wife XXXX, went to a Citi Branch in Illinois and made withdrawals using my wife 's PIN number, and ( or ) my number, when it came to our joint checking account.This also should have raised a flag. It did not. The signature of my wife was imitated very badly in this process and her name misspelled. Another red flag ignored. Our signatures have been on record for 40 years. A Video of this person exists. 

We brought all this to the attention of the branch management and they contacted the Citi fraud unit and told them unequivocally that these transactions were not made by us. They also told them that they had spoken to the management of the Illinois branch about it. 
We have not travelled to that State.We have never been accused of a crime. 
We have spent countless hours going to the branch in our neighborhood speaking to our customer service rep, Assistant Manager and the Citi fraud Unit during these dangerous times. 
We have also spent hours speaking to the Fraud Unit from our home while quarantined. Last time was today while at the branch. 
The Fraud Unit contrary to the determination of the Branch management, told XXXX that there would be no compensation for us, while offering no tangible- factual reasons. 

Remarkably, the exact same treatment was offered to me, XXXX XXXX, about 2 years ago, when my Citi credit card was defrauded via a non chip credit terminal at a store. 
Only after my complaint to this agency did my then nightmare ended. 

It is obvious to anyone with a brain, that a Citi employee stole all our personal info, PIN numbers included and perpetrated this crime with Citi 's negligence as a helper. 
Their recalcitrant/indifferent response is an insult to us on top of injury. 
Citibank is aiding and abetting crime. We are sick of being abused. 
We Obviously Need Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on morning, XX/XX/2020 if I am not satisfied with PayPals response to this request to release my funds, i will be filling complaints with The Attorney General 's Office AND The United States Federal Reserve ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. Paypal has not contacted me with any exact date that I would be able to withdraw my funds. 

Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of XX/XX/2020. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. 

Thank you for your time again in looking into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Sortis Financial, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed loan modification papers with soritis for new reduced mortgage interest rate and payment. An electronic payment of {$990.00} was sent to sorits on XX/XX/18 ( prior to the XX/XX/18 due date ). 
I received a statement on XX/XX/XXXX, dated XXXX as a monthly statement from sortis, that does not reflect that payment the from XX/XX/XXXX. Attached is a copy of that statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Debit Card Transactions on my account that are not locatable via any company name were reported to Chase Bank on XX/XX/XXXX by internal email on my account. The same day, another withdrawal was made. I contacted Chase after receiving an email with a claim number XXXX on XX/XX/XXXX. When I spoke to the customer service representative on XX/XX/XXXX, they were not interested in the initial deposit and withdrawal both for nominal amounts of {$2.00} that were processed and approved by Chase Bank. Even though I submitted the complaint on XX/XX/XXXX, they still processed the XXXX XXXX transaction on the same day. 
Following is the list of transactions. I have attached the reply following the phone conversation on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Debit card transaction {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00} ; XX/XX/XXXX XXXX *XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$41.00} ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$40.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2.00} XXXX XXXX XXXX XX/XX/XXXX, {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Sequium Asset Solutions, LLC
State: CA
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:
As of XX/XX/2019, Sequium Asset Solutions , LLC, a collection company, account appeared on my credit report for {$500.00}. I contacted Sequium regarding the debt and learned it was for a Spectrum cable account for service at an address in Texas that was never paid. I have never lived in Texas and I have a XXXX  account at my home in XXXX XXXX in good standing. Sequium referred me to the original creditor XXXX aka Spectrum. XXXX aka Spectrum reviewed the account and determined it was fraud and issued a deletion letter for the account to be removed from my report. I submitted the deletion letter with the dispute to the collection account and it was dispute returned that the account was correct and not to be removed. I called Sequium and they said they advised the bureaus on XX/XX/XXXX to remove the account. XXXX denied receiving correspondence from Sequium to remove the account. XXXX said Sequium collection company is the only one that could authorize to remove the account-they are the name on the credit report. The account is a fraudulent account which has really decreased my credit score. I am stuck between the collection company and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My applications for loan discharge has been denied the first and second time because the school is listed as still open. Despite me providing proof from the XXXXXXXX XXXX  ( as per emails with the school administration and bursars office as well as the office of financial aid at the XXXX XXXX, where it clearly states verbatim from school financial aid department administration that the school closed XX/XX/2020. 


My loan server, as well as NYS federal student loan is repeatedly giving me contacted information phone numbers as well as emails where each phone number provided is a disconnected number. Emails are never responded to or bounce back as invalid or unable to deliver email to provided address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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:
I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of XXXX. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX.  He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of XXXX  and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX  XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Three Fraud accounts and Inquiries appearing on 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 2023-07-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has reported inaccurate payment history that has resulted in my credit score dropping XXXX points unfairly. I am a single mom of XXXX with no support from the other parent and this is causing me to have difficulty with preapproval for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
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:
My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXXL XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 ONEMAIN XX/XX/2019 XXXX  XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: EQUIFAX, INC.
State: MS
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX USDOE/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Capital One 's current TV advertisement is deceptive in that the terms and conditions for opening an account ( i.e. the fine print ) are not legible in that they are written. In white font on light ( gray ) background. This is obviously a UDAAP violation with clear intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: Information belongs to someone else

Complaint:
There are numerous discrepancies listed on my credit report that I have no knowledge of. This was a result of identity theft of malpractice.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of XXXX. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of XXXX  and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX XXXX  and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.

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 2019-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX  removed all of my funds from my Bank of America checking and savings accounts, and continue to do so, in addition to {$15000.00} from my checking and {$1500.00} from my Savings. I spoke in person and on the phone multiple times with Bank of America and they claim this is a garnishment, without any provided documentation proving that this is a valid garnishment. XXXX XXXX XXXX  said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my child support payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional {$31000.00}. Bank of America has not protected my funds and they also have not previously contacted me about these action nor have they shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. Bank of America has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with Bank of America a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in school and raising my daughter as a single mother.

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 2021-04-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a chase checking account with quickpay with XXXX option. Two weeks ago I noticed a two XXXX  with XXXX transaction to a person ( email address ) I do not recognize. 

1 ) Contacted Chase customer service. They opened up a investigation 2 ) A week goes by and Chase customer service blamed XXXX. Told me they can't reverse the {$250.00} and {$650.00} ( 2 transactions ). The reason is after investigating the transaction was authorized by my iphone 11 with face-ID lock. I believe this is a lie because my phone does have Face-ID lock and is by my side at all times. 

Long story short Chase customer service is blaming XXXX. And XXXX customer service is telling me to contact my Chase account representative. Now I am out of {$900.00} in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I worked out a paying plan with original debtor in the understanding that it will not affect my credit, but my name was sent to a secondary debt collector and that led to the damage of my credit report. I have being making my payment plan without defaulting.

Company response to consumer: Closed with explanation