BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: Ascension Point Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent the following letter to Ascension Point Recovery Services This letter is in response to the phone calls and letters I have been receiving from you. 
According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. 
Further, this XXXX account is no longer my responsibility. The XXXX of XXXX XXXX was settled many months ago therefore no funds remain to pay this debt. If you had contacted me timely I would have responded in a different manner. 
Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX & XXXX Account Number XXXX this account does not belongs to me it causing me a great deal of stress i would love to have them removed from my credit report XXXX & XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$240.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX & XXXX Account Number XXXX this account does not belongs to me it causing me a great deal of stress i would love to have them removed from my credit report XXXX & XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$240.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -

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 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/22, I received a cashiers check from my father in the amount of {$13000.00}. This was taken from my dads bank account from XXXX, and was given to me to pay off my loan. 

Immediately ( within XXXX minutes ), we deposited this cashiers check into my Bank of America account at the local financial center. I was told then that the funds would be available XXXX since this amount is larger than {$5000.00}. 

XXXX @ XXXX AM I received an email from BOA saying a hold until XXXX was placed bc check specific information indicates item XXXX be returned. I did not understand why since this was a cashiers check taken from my fathers home equity loan and then deposited immediately at a financial center. 

XXXX I call Bank of America to inquire what was going on since I was unable to log into my account to see where we were with the hold. I am told by the risk team that due to my cashiers check being counterfeit, my account is now closed. Bank of America did not contact me informing me this was happening. 

The following few days I call the risk team 6 times to figure out the solution since the cashiers check is not fraudulent. I am told different things by each employee on how to resolve the issue. 

XXXX I go to the BOA branch where the cashiers check a deposited and talk to the branch XXXX XXXX XXXX. He tells me there is not anything he can on his end, but recommends I go to the XXXX branch. There, the XXXX employee XXXX XXXX is confused this has happened and informs me BOA did not contact XXXX to confirm the cashiers check validity at any point. They confirm the money has been taken from my dads account. XXXX employee emails BOA branch XXXX to verify that the cheque had come from XXXX. 

Frustrated, I call the BOA risk department and ask for the situation to be escalated to the supervisor. The supervisor flags the cashiers check for XXXX review, and says the analyst will make an update within XXXX business days XXXX I speak to the BOA risk mitigation supervisor, and he informs me no update has been made.

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 2021-09-24
Company: AES/PHEAA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
11 years ago I used a loan which was originally called XXXX XXXX to start XXXX  XXXX  XXXX  at XXXX XXXX In Georgia. I cant remember the name of the town, but the school misled me in what the course would actually be, they did not place me at a job as promised in their initial consult. They also had teachers that were not showing up for class, they didnt finish my XXXX, because I got XXXX  and had to take a very short leave. When I was ready to come back they wouldnt let me and I never got a certificate, or placed in a job as promised. The school is now shut down, probably for these reasons and I owe more money to them, than my actual XXXX  XXXX XXXX. I was young and got XXXX  by them. I would like the debt forgiven as I am now actually trying to take XXXX XXXX XXXX XXXX XXXX. Not a corrupt XXXX  XXXX  and I just feel like I was robbed by them. This has been going on for over ten years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My original mortgage company filed bankruptcy and now shellpoint mortgage has taken over, and today i continue to follow up on having my account reflect the accurate amount I have even provided proof of my payments that were made by money orders but shellpoint continues to send me delinquent notices as if I havent paid I have called and they tell me it takes 30 to 60 days but I keep getting the run around. I paid by money order not check my account should reflect current but they refuse because they said they a debt collector and they trying to illegally take my home on false information. Please help. I have provided proof within this email. I can also send all other emails that I have continued to send trying to get this matter resolved but they keep sending certified mail when they have evidence that my mortgage should reflect current. They will call me stating that they are going to fix the situation but the individual won't put any of what she says she's going to do in writing, which disturbs me. Today they continue to send stacks of mail when payments have been made as required. I have also submitted the XX/XX/2020 payment and awaiting it to post but I understands that takes time. They sent an letter stating what was due, when you add up what they stating was missing it was the money orders that they say they can't allow to reflect on the account until they speak with XXXX, this wouldn't be an issue if information was sent within a timely manner informing me of the changes and whom to send the payments to, instead they are now doctoring documents trying to make it as if I owe something when I don't have shown how documents sent out are inconsistent and full of fee 's that shouldn't he paid these payments in question by money order, but still charged an NSF charge. This doesn't make since, when I speak with them verbally they tell me things like disregard the bills coming or don't worry about it and we are working on it, we are going to fix this, I'm sorry your going through this, we are going to make this right, we are going to fix your credit with all the credit agencies and remove the late payments and all the NSF charges. The manager was able to determine while my dad was late at times he never missed his payments and according to what it's reflecting he owes and what has been provided as proof my dad owes nothing but XX/XX/2020 payment and that has been mailed off. Today XX/XX/2020 nothing is fixed and I have an another verbal appointment with them tomorrow between XXXX and XXXX eastern time for them to verbally tell me what they refuse to put in writing. If it wasn't for the emails that reflects this unprofessional pattern of business they would have never communicated with me and they would have continued providing me the run around. 

XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
As the first use of my Venmo account, a friend transferred {$360.00} to me as his share of an upcoming cost. To do the Venmo standard transfer, I had to prove ownership of my bank account. They offered XXXX ways to do this : through a third party called XXXX ( about which I later learned horrifying things ) or manually by verifying a sequence of small-amount deposits. Both methods failed, repeatedly. Phone help was no help and insisted I pay 1.75 % for the instant transfer option.

In other words, they are holding my money hostage and they want 1.75 % ransom. 

I want my {$360.00} in full, with interest back to XX/XX/XXXX, when they put this obstacle in my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MD
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:
XXXX  is reporting XXXX separate conflicting accounts on my XXXX, Equifax, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX EST, I called XXXX  on the phone number listed on my credit reports for both XXXX accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX  account in the past with XXXX, XXXX, and Equifax, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX, XXXX, Equifax, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, XXXX, and Equifax credit reports immediately. I have attached a copy of my credit reports with both XXXX  accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Have a Bank of America account for years and months ago I was travelling to XXXX and my wallet got stolen. Only noticed long time after. Locked my card. Requested a new one and when got back from my trip I filled a claim cause there was 4 transactions used. 
4 back to back on the same place. 
After filling the claim I got a credit on my account and today almost 3 months later that ammount was cash from my account and the bank said my claim was denied. 
I called them and after reopening found out that they werent able to get in contact with the place my card was used and that was the reason they denied. 

I reopened the claim and sent documents and other information but still didnt get my money refunded

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 2022-12-13
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:
I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CL Holdings LLC
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:
XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  Jefferson Capital System Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  Opened XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I reached out to Citi Bank on XX/XX/23, regarding payment assistance/settlement options. Im currently experiencing extenuating medical issues, on top of which Im dealing with the aftermath of the loss of my brother due to XXXX. I have always been on time with payments. My payment is due in two weeks, I reached out early as I did not want to fall into delinquent status. When I called, the representative told me to request payment assistance from those around me. I find this extremely inappropriate, insensitive and unprofessional.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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