BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Trust Financial LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trust Financial, XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX ( XXXX ) XXXX ( XXXX ) XXXX My first letter from Trust Financial LLC that I received was from XX/XX/XXXX. It claims they have tried to reach me in the past, but this is the first letter I have ever gotten from them. I do not recognize the debt so I contacted the original creditor that is XXXX XXXX XXXX XXXX. I asked about their client XXXX XXXX there. The secretary looked up the client and said it obviously was not me, because the child is XXXX years old and they don't even have a Utah address in the system, so she doesn't even know how the debt collector would have even found my address. She told me it was most likely a scam. 
Going off of this information, I decided to ignore the letter, because it does seem to be a scam. No effort seemed to be done on Trust Financial LLC 's part to remotely validate the debt, other than possibly send the same letter to every XXXX XXXX they could find in hopes that someone or multiple people would pay it. I have no connection whatsoever to this debt they claim is for {$420.00}. I got a second letter from them on XX/XX/XXXX seeking to extract personal information from me as well as personal information about my wife. I sent them a letter stating the debt is not mine, they should do their own research to figure that out, and to never contact me again about it. I also returned the second informational letter to them blank without filling it out, despite the threat of legal action should I not fill it out. 

Creditor : XXXX XXXX XXXX XXXX Original Creditor Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an online savings account with Marcus by Goldman Sachs XXXX and deposited $ XXXX. They dropped their XXXX and I attempted to move my money to my XXXX XXXX account. I was later notified by XXXX XXXX that the transfer was cancelled. When I sent to log onto my XXXX account, it said my account was locked and that I had to call XXXX to get it unlocked. I called the number the morning of XX/XX/20 and after waiting on hold for XXXX minutes, finally spoke to a person named XXXX. I asked that my account be unlocked and he said he would not. He said I needed to get on a conference call with one of their specialists and someone from XXXX XXXX. I told him to forget about the transfer and that I wanted immediate access to my money. XXXX refused. I asked for his last name and XXXX refused. XXXX would not unlock my account. I then asked to speak with XXXX 's supervisor. I was again placed on hold for more than 10 minutes. I eventually spoke with XXXX supervisor XXXX. I asked XXXX to unlock my account. He too refused. I asked for XXXX last name or his identification number and he also refused. I asked for his phone number and XXXX refused. I asked to speak to his supervisor. XXXX said his boss is a XXXX XXXX XXXX but that I would not be able to speak to him. Currently, my account is locked and I do not have access to my $ XXXX and I have no way of directly communicating with XXXX or XXXX or anyone else at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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:
XXXX XXXX  was deleted then put back on my credit report proof enclosed once deleted you are not allowed to put back 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 explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a medical collection/chargeoff on my credit report that is unknown and I have aked for verification for 5 months and I get nothing from the bureaus. Also it is a charge off still reporting with a balance of $ XXXX.That is inaccurate reporting. 
this is messing up my credit report because of inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: DISCOVER BANK
State: NC
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:
On XX/XX/XXXX, I signed a contract with XXXX XXXX XXXX in XXXX   XXXX, NC to use their venue located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX for my XX/XX/XXXX wedding. At the time of the contact signing, I used my Discover card and charged a deposit of XXXX ( This was the first payment charged on my Discover Card dated XX/XX/XXXX ) subsequently I made three more payments on my card as follows : DATE AMOUNT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX In early XX/XX/XXXX, I received notification that the company ( XXXX  ) had filed for bankruptcy and closed their locations permanently. After receiving this information, I attempted to contact XXXX  and was unsuccessful. I received communication from XXXX   attorneys asking if I would consider using the venue if it was under new management, I agreed, but was later told that the company was unable to find another owner and would remain closed. I was also told that I would not receive a refund. At that time I contacted Discover and requested a dispute on the basis that I paid for a service that I could not use. I spoke with a representative and the dispute was initiated on XX/XX/XXXX. The representative told me that they would start the dispute and the company as a certain about of days to dispute the claim if they did not respond accordingly, I would receive a credit, in the meantime they offered me a temporary credit. 
On XX/XX/XXXX the credit was revoked, and I was told that I could not dispute it because the contract stated that there were no refunds. I pointed out the contract stated you could use another XXXX location if the consumer requested to cancel the event. I did not cancel my weeding, the location shut down. Then I was told that that the charges were to outdated for me to request a dispute. I replied that I contacted Discover as soon as I was made aware and had attempted to work things out with the business. Then I was told that they ( Discover ) could not fight the company themselves because they do not have anything that shows that I was entitled to any refund. I submitted a document from XXXX attorney that illustrated that I was due reimbursement. I have not heard anything from the company ( Discover ) since then. I have complied and produced everything that has been asked of me and I feel as if I have been getting the runaround from the credit card company. I think there should be some relief and protection for the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
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:
This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2021-01-26
Company: Designed Receivable Solutions, Inc.
State: CA
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:
Hello Today I have received a called from my son that Designed Receivables ( collection agency, called him, to leave me a message that I was going o be served at my worked place, I have been trying to solve this situation with the collection agency for months Maybe more that a year already, only thing that they do is re ager the account, and increase the amount " owned to them '' is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I WAS charged- oner XXXX in fees. My son ( dob XX/XX/XXXX ) was charged over {$1500.00} in fees. their time ordered deposit recognition is a joke- same day? FEES!!!! OMG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Resurgent Capital Services L.P.
State: CO
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 recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX XXXX XXXX credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Integrated Mediation Solutions LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX with Integrated Mediation Solutions refuses to mail me any information on the payday loan in question, as requested. She is calling my HR Department, my husband, my children, my elderly parents stating " that this call is pertaining to a claim that is prepared to be filed in XXXX XXXX and wants to speak with me before the attorney network group does proceed for judgment wage garnishment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CITIBANK, N.A.
State: TN
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:
Dear Citibank, Ive been a holder of a Citibank credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of Citibank. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from Citibank, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, Citibank reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from Citibank stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, Citibank closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the Citibank account. I called Citibank immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like Citibank to a long-standing client with exceptional credit history his entire life. Citibank failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. Citibanks error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for Citibank to due for a previously loyal client. If Citibank was not in the wrong, then why did they eventually reverse the charge that caused the issue?

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 2017-08-03
Company: BROKER SOLUTIONS, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began two loan applications on XXXX XXXX, 2017 with XXXX XXXX XXXX located in XXXX, CA. One loan application was a purchase of a new property and the other was a refinance of an existing property. XXXX XXXX was my initial loan officer and everything proceeded smoothly until the file was sent to Underwriting on XXXX XXXX, 2017. I was told on numerous occasions that everything was 'in order ' and moving toward funding as scheduled, as I had provided all necessary documentation to the lender promptly and accurately during the review process. The lender was well aware of my scheduled Close of Escrow date of XXXX XXXX, 2017 and I was assured that nothing else was needed and that both loans would close simultaneously on, or before the scheduled COE date. A week before close of escrow, on XXXX XXXX, 2017, XXXX assured me that both loans were being Approved and closing on time. On XXXX XXXX, 2017 XXXX called me to inform me that the appraisal was 'waived ' in error by the lender for the refinance application and they were scrambling to have the refinance property appraised. I received an email for both the Processing Manager, XXXX XXXX, and the Director of Customer Service, XXXX XXXX, that they had made mistakes and that the loan process for both applications were delayed. On XXXX XXXX, 2017 I received an email from XXXX XXXX that they were making an 'exception ' and waiving the appraisal, the same appraisal that was supposedly delaying my loan to begin with. I am now 7 weeks into my loan applications and have yet to receive any decision on either loan, despite the verbal assurances that I would be approved. Not only are they in clear violation of Regulation B, but I have had to appease a furious Seller and negotiate a $ XXXX/day fine for every day that my purchase loan does not close. Now, I am in jeopardy of losing this property due to flagrant negligence and missteps by XXXX XXXX XXXX. Please HELP me save this property!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX XXXX other than personal XXXX XXXX   XX/XX/XXXX XXXX other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.

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 2020-08-31
Company: EQUIFAX, INC.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- XXXX XXXX XXXX 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: WHEELS FINANCIAL GROUP, LLC.
State: NM
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:
In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX  and XXXX  not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX   report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!

Company response to consumer: Closed with explanation