BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Meridian Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my timeshare loan ( {$2100.00} ) with XXXX XXXX XXXX, in XX/XX/XXXX. I got a letter confirming my payoff. As well as a share from their company stock, also confirming my payoff. They called it a " confirmation certificate '. 

In XX/XX/XXXX, I sold my XXXX XXXX membership to a different timeshare company. I filled out the proper documentation for the " owner transfer '' with my new company. The following year, XXXX I get a statement that my yearly maintenance fee had been applied to my account with XXXX XXXX. I immediately contacted both XXXX XXXX and my new timeshare company ; The new membership company stated that they had followed the proper process of transfer. XXXX XXXX stated they never received any documentation from them. XXXX XXXX then sent me documentation to fill out and explain what had happened and to close the account. I filled out and sent it back to them. A few months later I started to receive phone calls from XXXX XXXX stating I was late in paying my maintenance fees. I again explained the situation, sent the copies of the documents I had previously sent. I didn't hear anything back from them for years. Up until I recently, XX/XX/XXXX, checked my credit report and saw a report from XXXX XXXX XXXX XXXX and found that it was from XXXX XXXX XXXX. The amount that they report is nothing more than the fees they applied. Nothing to do with my loan obligation. 

I satisfied my loan obligations with XXXX XXXX XXXX. It's unfortunate that both companies didn't do their due diligence and follow through with closing/transfer of the account and now I am the one being affected negatively with this information on my credit reports.

Also, just a quick observation, I wouldn't have been able to sell my timeshare to my new timeshare company if it wasn't paid in full by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX, I contacted Equifax to find out why no information is being reported for me while both XXXX and XXXX have no problem issuing a report. I was referred to the XXXX XXXX XXXX to investigate this matter. I then sent updated ID information ( see attached ). Every month since then, I get the same non-reporting which is hurting my chances of getting a new home loan. Equifax has never sent me any correspondence explaining why a report can not be generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been in dispute with Citi Bank over an account takeover that took place on XX/XX/XXXX. I contacted Citi immediately on XX/XX/XXXX and XX/XX/XXXX. Since the account takeover, I have filed a police report and provided this to Citi Bank multiple times via phone calls on these dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and I have communicated with Citi Bank tirelessly via phone calls and fax that over {$15000.00} in unauthorized charges were taken out of my Deposit account on XX/XX/XXXX. As a result of Citi Bank allowing the Fraudster to act on my behalf as the consumer and allow the account takeover on XX/XX/XXXX additional unauthorized accounts were opened in my name, they applied for a personal loan, along with additional unauthorized funds transferred out of my account. I was notified of this by Citi once I was able to talk to a validated Citi employee and as of today, XX/XX/XXXX, I have not received any provisional credits based on Regulation E and Regulation Z. I have appealed all of the open cases with evidence of this account takeover and Citi Bank has not provided evidence as to why these cases have not been resolved and provisional credits not provided. As a consumer who has been banking with Citi Bank for several years, I find these actions from Citi Bank to be very dismissive, irresponsible and lacking accountability as a top ten financial institution. As of today, XX/XX/XXXX, I have contacted Citi Bank almost daily for the last 4 months. Although some funds have been recovered... .when Citi identified this as fraud, they only refunded some of the funds and did not include the 2nd checking account that was fraudulently opened. I was told all funds and accounts were included in the original investigation. I was later advised in XXXX after the partial credit, that there was an error and the remaining funds would be immediately credited to my account. It is now XXXX ... 2 months after that clarification, and I still don't have the credit in my account. I have not been able to pay my bills and my landlord has filed eviction. I am in desperate need for this to be reconciled immediately. There are still two outstanding fraudulent transactions that have not been reversed by Citi... The identified this checking account and fraud, and I do NOT have access to see the account, so I do not know the account number that was fraudulently issued, however, the Banker at my local branch was able to see the account and confirmed the amounts that the Fraudster moved out of my account was for {$2400.00} and {$2400.00}. I have exhausted all resources, including visiting the local branch weekly. Please advise on this resolution. Thanks, 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 2018-04-13
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to do a mortgage modification with my lender Chase sinceXX/XX/XXXX. I have been unsuccessful with them since my ex-husband 's name is on the deed of trust. My ex-husband is in XXXX for domestic abuse. I applied for a modification due to financial hardship and falling behind on my mortgage payments when I first had him removed from our home. Since then I have been able to repair my financial situation and want to make good on my mortgage, however Chase is being very uncooperative. They will not grant a modification due to his name being on the Deed. I have explained that he is in XXXX  and refuses to sign and quit claim deed or power of attorney. My attorney has tried to threaten him with legal action, however he does not care. My attorney, the title company 's attorney and the mortgage specialist at Chase spoke at one point in XX/XX/XXXX and said if I signed a quit claim deed from my married self to my single self, and had that recorded with my divorce decree which clearly shows I was awarded the property, they would remove him from the deed. I did all of this and provided the original recorded copies to Chase. Chase is still refusing to do the modification work and is still asking me for a Quit Claim deed to be signed by my ex-husband. I have escalate this to the executive office and they were no help and have told me their research is closed as of XX/XX/XXXX and I need to provide the quit claim deed, along with proof of child support and alimony payments. I can't do anything else at this point. I am being held hostage in this house by a man that is in XXXX. I am trying to do what is right and make good on my mortgage and Chase is refusing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In my previously closed complaint, CITI asked me to provide evidence that XXXX XXXX XXXX indeed promised me with the full refund of XXXX dollars. If found, CITI promised to refund me with the remaining money, which is XXXX dollars. I have just manged to find evidence of his promise. I have attached 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 monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion, XXXX and XXXX received a copyright notice and copyright infringement notice on XX/XX/2022. They have ignored notice and are in violation of notice. They are also in violation of the following USC law/codes 15 USC 1681 ( a ) ( b ) ( 2 ) ( i ), 15 USC 1681 ( b ), 15 USC 1602 ( l ), 18 USC ( 8 ), 18 USC ( 501 ), 18 USC ( 1341 ) ( 1342 ) ( 1343 ), also UCC 3-302 ( 1 ), UCC 3-305, UCC 3-104 ( b ). If the said companies do not comply immediately I will be forced to take legal actions in civil court.

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 2019-03-12
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB, My name is XXXX XXXX. I am writing about a company named Persolve LLC. I first heard of this company in XX/XX/XXXX. I found out through work that they were going to garnish my paycheck for a debt I never heard of. The amount totaling in {$6300.00} plus {$0.00} cents per day interest ( A ). I didnt know what to do or where to go. So I called this company asking for proof and that I have had identity thief and dont believe I owe them. They flat out told me I wasnt entitled to that information and it didnt matter because they got their garnishment. Finally he told me it was a metrix card ending in 4 different numbers. They couldnt tell me the card name, what company it was anything. So I pretty much just hung up. They were taking about {$600.00} a month I filled for a exception and when I explained to the XXXX Officer I dont believe this is real he sent me this typed up letter that I supposedly sent back in XX/XX/XXXX. I find this letter to be fake I marked it ( B ) as my first questionable piece. The fonts dont match its not addressed to anyone and I dont believe or remember writing it. As time went on I talked to a lawyer who told me this claim was denied a handful of times until they submitted something in XX/XX/XXXX ( B ) is what I attached for you. I finally figured out that was suppose to find my way to XXXX XXXX for a court day which was not going to happen because they were taking all my money. They kept sending letters to my house and finally when the court day came near they sent it to the wrong address. I feel they did this on purpose I have envelopes ( C ) which I also attached. Needless to say I missed the court date. I dont understand how they can sue me in XXXX XXXX when I live in XXXX and have never lived in XXXX XXXX. My exception came back and the court knocked it from {$600.00} a month to about XXXX. In XX/XX/XXXX I got another letter stating I owe them once again so I called my payroll and asked what was going on they informed me back in XX/XX/XXXX the sent a court order to stop the garnishment ( D ). Which I have also attached for you. Now its XX/XX/XXXX and I got a call from my payroll again because they are taking me back to court now for the amount of {$5800.00} plus {$1.00} interest a day ( E ). I dont understand how this can happen? How can they take my money with no proof? How can they sue me in another city? I am so lost and dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i went to td bank to make an international transfer to XXXX to td bank the bank worker set it was going to be there the next day the transaction was on XX/XX/2021 for XXXX dollars and the money is not there i went to the branch on XX/XX/2021 and the manager told me international takes three to four business days today is the XX/XX/2021 i call td bank and now they are saying that its going to take 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a Venmo account. Someone stole my photo and created a username one off from mine and started Venmo requesting my friends saying that I would pay them back. Venmo support says they cant take down the account and theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/XXXX transworld systems contacted my job and asked for me. When I came on the line they said I owed XXXX and if I dont pay Ill have a warrant issued for my arrest. I told them first off this is my job your calling and these call are recorded he cut me off and said the bill was for an ER visit XX/XX/XXXX I told them I have insurance and didnt have an er visit and told them not to contact my job. XX/XX/XXXX I was on break when I came back I almost passed out. They called back again but didnt speak to me instead they spoke to my coworker and told him what Was owed what hospital it was for and what date and said the police would be getting involved. Unbelievable I checked my credit on XXXX XXXX they have it on their I dont know what they are talking about I dont owe them.I work for XXXX XXXX and the phone number is listed for everyone to call so there was no way to block their number. Nothing can be done from their end but just to hang up on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I recently received a copy of my credit report and found proof that the credit bureaus are illegally reporting inaccurate information about me. The following alleged collection account ( XXXX XXXX XXXX ) is not only listed as a OPEN, but also as having a PAST DUE BALANCE of {$1300.00}. This is a violation of the FCRA and is in violation of requisite METRO2 compliant reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable and accurate.

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 2021-07-10
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called Navient several times to resolve this issue but can not get to a real person to discuss this and keep getting advised by an automated system that I owe {$0.00} ( even though money is being taken out of my bank account monthly to pay them off ).

I have recently switched my primary bank account to another bank, and with this have been trying to close my previous account. However I fear that I can not as I tried to contact Navient to have my auto-draft payments come from my new bank account so I can close the old one out. There is no option on their website to do this, nor has anyone been able to do this on the phone. This doesn't seem legal at all and should allow an option to change your bank account if need be.

I'm infuriated with Navient for this as well as their lack of documentation on loan details, but this shouldn't be allowed to go on without consequence or resolution. 
Thank you.

Company response to consumer: Closed with explanation