BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.

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 2017-09-01
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On the morning of X/X/2017, I was informed by my mother via text at XXXX, that a man came to my residence looking for me. He represented himself as a debt collector from Persolve LLC. This seems to be a direct violation of the FDCPA. I attempted to contact this company directly for more information, but was not able to speak to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: ECMC GROUP, INC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This is not my loan and I did not take this loan out. 
This is a fraudulent loan and this is not my signature or my date of birth nor my ssn I have sent in proof to the collection agency who is trying to garnish me as well as the servicer/lender of this loan. 
I have submitted multiple documentation explaining and proving that this was not my loan, not my address, not my ssn, not my date of birth and not my loan. 
Please help me resolve this as I am having difficulty with the collection agency and servicer about getting this resolved and discharged. 
This loan was taken out the same time I was enrolled in a different school in a different state. I can not be a two places at one time. 

THIS IS NOT MY LOAN!

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 2021-04-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A new acct showed up on my credit report from XXXX XXXX, the XXXX XXXX XXXX XXXX. I am not eligible for an acct from them as I am not a XXXX  veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, Trans World Systems, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted XXXX directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from TSI they intend filing wage garnishment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have requested proof of the debt for 5 months and they have not provided anything to verify or prove I opened an account. there is nothing with my signature or approval. I was a minor when this account was opened and it was not opened by me. I have attempted on several occasions to rectify this with Portfolio Recovery yet they keep sending me the same letter over and over stating that they obtained a statement of the account when the purchased it. Regardless, they have not provided anything showing their method of verification or my signature. As you can see from my ID, I was a minor at the time this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have two major issues with my Bank of America small business checking account. 

1 ) The bank has repeatedly violated Dodd-Frank Act regulations to charge my account OD fees ranging from {$10.00} to {$35.00} over a 3 month period for balances < {$10.00}. This problem did not occur when I had similar accounts at other banks. 

2 ) I had wired transferred {$200.00} to a XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX on XX/XX/2022. Shortly after that I contacted Bank of America to recall the funds. It has been over 2 months and both Bank of America as well as XXXX  XXXX XXXX, XXXX ( recipient 's bank ) claim that the funds can not be taken out of XXXX 's account without his permission. Why not. It is my money after all. XXXX 's Bank XXXX XXXX account # is : XXXX. Bank of America Tracking # for the transaction is : XXXX. My XXXX XXXX, NJ, branch 's Relationship Banker claims that he can not do anything but wait for a response from the Fraud Department at Bank of America. This transaction has hurt my relationship with Bank of America because when I recalled my funds, my company needed the money. We have overcome that hurdle but my question to you is why has a so called " to big to fail '' bank failed in this recall effort. How many customers such as I have they failed in cross border dealings? Please see attached.

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 2022-07-19
Company: TriVerity, Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2022 Debt collectors name is XXXX XXXX from TriVerity or CU Recovery. Yelling at me and using profane words such as saying I'm trying to " swindle '' or dodge the debt which was charged off 7 years ago. Did not provide me with XXXX XXXX XXXX XXXX finance department phone number. Said she talked to them about it but wouldn't let me communicate with them. There is an lien on an old car loan which I am trying to pay XXXX XXXX XXXX XXXX for so I can get the lien released. Will not provide proof of what the finance department at XXXX XXXX XXXX XXXX is saying. Also, tried talking to finance department at XXXX XXXX XXXX XXXX and they haven't reached out to me. They have been treating me like a criminal when all I am trying to do is talk to a member of XXXX XXXX XXXX XXXX XXXX finance department. 

XX/XX/2022 XXXX XXXX from TriVerity called me and asked me if I am taking the issue personally which I am not. I just told her I would like to speak with someone higher up. She said her supervisor will give me a call back. Yesterday she told me that wasn't an option and that I need to speak with her about it. 

About 6 months ago I talked to a XXXX XXXX from CU Recovery/TriVerity and he told me I could come up with {$1800.00} to pay the lean off. He doesn't work there now anymore and now they are saying I need {$2700.00} to pay the lean off. XXXX XXXX is denying that he said that. All I am trying to do is talk to someone higher up than XXXX XXXX and I haven't been able to. I asked her for proof of what she is saying about what the XXXX XXXX XXXX XXXX XXXX department is saying to me and haven't received any. I'm just trying to talk to someone from XXXX XXXX XXXX XXXX finance department and she is not letting me do that. I don't even know if what she is doing is legal. I have been trying to reach out to XXXX XXXX XXXX XXXX finance department and haven't been able to yet. This is over a charged off debt from about 7 years ago that has a lien on it. XXXX XXXX XXXX XXXX is also not letting me talk to the finance department team. They keep telling me I need to talk to XXXX XXXX. 

Her phone number is XXXX. Or XXXX. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a phone call from someone named XXXX on XX/XX/XXXX in the evening. He said he worked for XXXX and gave me an ID number. He then told me someone in Ohio was trying to use my account fraudulently. With my phone number, he was able to gain access the cell phone I was talking to him on and told me that he found my information necessary to stop the fraud. After we finished the call, my daughter ( she does my banking ) told me I had a significant withdrawal from one of my Chase bank accounts. 
When I logged into my account, I saw t {$490.00} had been sent to someone named XXXX XXXX! I never authorized this or any money to be sent to anyone named XXXX or XXXX! 
I filed a claim with Chases Fraud department. On XX/XX/XXXX Chase refunded me the {$490.00}. 
Today, XX/XX/XXXX, I was alarmed to find that Chase has withdrawn the money taken from me fraudulently. When I called Chase and spoke to numerous representatives until I reached a Supervisor named XXXX. He told me that this XXXX XXXX told them I willingly sent him the {$490.00} through the XXXX ap, which was a bald face lie. At that point, Chase took this scammer criminals word over mine without a shred of proof and took my money again to give to this guy, whoever he is! Now, Im out {$490.00} because Chase believe some liar over their own loyal customer! 
Im totally disappointed and distraught over this situation. Not only has my money been stolen, but my daughter thinks this guy put some kind of tracking ap on my phone against my will! Im going to have go down to the XXXX store to get it removed. Im XXXX years old and my husband is a XXXX year old Veteran with XXXX. This is a real mess we dont need to be dealing with at our age. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Early Warning Services, LLC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I made a transfer of {$2500.00} to XXXX XXXX on my bank 's website using the Zelle app. I was notified the next morning that the payment could not be completed and the money would be returned to my account in 1-3 business days. I checked my account Friday, XX/XX/2022 to find it was not available. At this time, I called XXXX XXXX to request the refund and I was told it would be another 3 days. On Tuesday, XX/XX/2022, the funds are not in my account and XXXX XXXX is attempting to dispute and recovery my funds. At this time, Zelle is not receiving calls to address issues and there is no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Someone is useing our XXXX credit card to purchase XXXX and XXXX music on XXXX. XXXX is willing to credit back the purchase amount when we noticed this was happening. XXXX has the information on this person and is unwilling to tell us who it is or cancle their XXXX subscription associated with our credit card. We want to know who and how this happened before we go through the chore of canceling the credit card and reestablishing all the businesses we use this card with. I'm guessing it was a nistake on XXXX part that this happened. This person is using our name and credit card, but a different email address and street address. 
The purchase dates for the XXXX subscription were XX/XX/2022 and XXXX XXXX, XXXX. 
They were willing to cancel the amazon music subscription but not the XXXX subscription. 
It can't be legal that XXXX has the right to let someone else use our credit card and not let us cancel their account, or tell us how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been making partial payments for years where the partial payments add up to the total monthly amount due. 

The company Specialized Loan Service has harrassed me on numerous occasions forcing me to take time off from work to deal with them. Literally days of phone calls with them. 

They refuse to apply my payments to my Load Payment and insist that they will not apply it to my loan payment. 

The result will be that even though I am paying them consistently they will forclose on my property

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 2017-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To XXXX county collections, I found the information you asked me for. Complaint # XXXX. I 'm sending you evidence to. At the time I was staying at my son 's house in XXXX until I got my social security for being XXXX.we finally saved money to get our own place in XXXX, and in XXXX XXXX I was in the XXXX hospital getting the therapy I needed to be a little more self sufficient, I was an XXXX XXXX for about two months in XXXX XXXX , ca. TransUnion as well.

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 2017-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account has been open since XXXX XXXX XXXX.
My boss made a payroll deposit XXXX XXXX XXXX by BANK TRANSFER. This procedure took 3 business days, so we tried to do a PICTURE UPLOAD of his check the NEXT pay period.
This took place XXXX XXXX XXXX  and the funds were transferred OUT of his account that very night., and made available to me the next day.
This only lasted a few hours, because they FROZE my account for suspected FRAUD!
I did speak to a security team member who told me they were automatically closing my account and they would send me a check for my funds in 5 -10 business days.
Being a credit card customer for years did n't make a bit of difference, even after I tried to explain the deposits and offered verification for this.
After useless follow up calls and faxes, it is now 2 full weeks later, and they have not fully closed my account OR sent me a check with MY MONEY.
After each call, all they tell me to do is leave a message with the team ( intake only ) and they will call me back ... well I DO, but they DO N'T.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I voluntarily returned my XXXX XXXX to XXXX financial around XXXX due to mechanical issues ( paid XXXX in repairs in 2 years ). XXXX XXXX and their attorneys XXXX and XXXX placed a judgment on me on XX/XX/XXXX. This date is clearly past the 5 year statute of limitations in Florida to collect the debt. I called XXXX and XXXX and asked why they did this after the statute of limitations expired. The representative told me I made a single payment 3 years after I returned the car and that payment started the clock over again and they can collect on the debt. I didnt make a payment to them and asked for proof of payment, date of payment and mode of payment. XXXX and XXXX told me they didnt have the info on the payment they said I made, but they would get the info and contact me via phone or email to prove I made a single payment years after I gave the car back. Never received a call or mail proving the payment. I called back asking for the info and the representative said they cant get me proof of the payment they said I made. XXXX and XXXX t placed a garnishment on a chase account ( XX/XX/XXXX ) I shared with my XXXX XXXX XXXX grandfather with I was taking care of him at the end of his life. The judge in XXXX XXXX XXXX Florida reversed the garnishment on a web conference call and returned the money back to my grandfathers account since I made no deposits into the account and his account consisted of Pensions, social security and POW benefits from XXXX. They did however take around {$800.00} from a chase account I opened while taking care of my grandfather in Arizona. 


. They also violated the fair debt collection act numerous times trying the collect the debt. They called X wife and relatives with strong arm collection tactics saying the Sherriff was coming to my house unless I contacted them or paid the debt. I contacted Cascade via mail and to them to only correspond with me via mail due to their tactics. The calls stopped for a while and started back up. They would call me and do the same tactics.

In closing, Cascade Capital and XXXX and XXXX cant prove I made the single payment years after I returned the car and before the 5 year statute of limitations expired. I feel like they made up the payment to extend the judgment. A quick online search shows this is not the first time they have used this tactic to extend the statute of limitations so they can continue to collect after the statute of limitations expired They also recently placed another judgment on me to keep this going to try to collect. Its been a nightmare for sure.

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 2019-08-03
Company: FORD MOTOR CREDIT CO.
State: AL
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:
Ford Motor Credit. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XX/XX/2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XX/XX/2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written Ford and XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bayview Loan Servicing made misleading and lies both verbally and writing about timeframes, loan modification processes, and steps to take to keep my property out of foreclosure. The representative, XXXX, made many false claims ( again both verbal and in writing ) that negatively impacted my loan modification process.

Company response to consumer: Closed with explanation