BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX  of  XXXX  I got home from work and my locks were changed. I was unable to get into an apartment I was renting from The  XXXX  located in  XXXX   XXXX , MD. I had to wait until Monday to speak with the property manager. On Monday I spoke with the property  manager  in person and he was not aware that the financial accountant  manager  had changed my locks stating that I had skipped my lease. I in fact did not skip my lease and had already made  XXXX  the leasing manage aware that I was moving out and not renewing my lease. My lease was not up until the following month. The property  manager   XXXX  told the maintenance  manager that they just had to  XXXX  up the fees and let me back into the apartment. I asked them to place it in writing that I would not be charged and he would not do so stating he had to wait for the attorney to see if I was on the list for eviction. I was not on the list. A year later I received on my credit report a collection for {$6900.00}. These fees included carpet repair, cleaning of the unit, rent for  two  months due to skipping the lease. I never was given access to the unit to move any of my belongings and never was given copies of the new set of keys once the locks were changed. Never given a chance to properly clean the unit. I was still a tenant and the locks were illegally changed. I have not been able to get any information from  XXXX  Apartments due to change of ownership. I have contacted the  Property Manager  numerous times and he states that the records will have to be pulled from the basement. I called in  XXXX  he asked for 30 days. Every since still no answer from the corporate office or the  XXXX  office

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 2021-05-14
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Hello. The XXXX company blocked my account without explaining the reasons and does not respond to my letters of support about the amount of funds in my account XXXX the estimated amount is about 25-30 thousand dollars ) and the timing of their withdrawal. 
I can't wait for an official document on the impossibility of a refund wrong trasfer for about two months. And near 1 week I dont have answer for my emails about refunds my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: VYSTAR CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I accrued late payments on my credit report due to the Covid-19 pandemic, after returning to work, all monies due were caught up. I have continued to make payments timely. I am looking to remove late payments remarks as it was a result of job/hours decreased due to pandemic. 

The company is Vystar Credit Union for XXXX XXXX XXXX. XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Late payments were 30 days late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
THE BANKRUPTCY REPORTING ON MY CREDIT REPORT IS IN ACCURATE, PLEASE REMOVE FROM MY 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 2022-09-13
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 XXXX XXXX XXXX made his final payment of {$8300.00} to XXXX XXXX DBA XXXX  XXXX. XXXX XXXX did not receive a satisfaction of mortgage at this time. ON XX/XX/2020 XXXX XXXX received notice that his mortgage has been transferred to Fay servicing. There in after XXXX XXXX received monthly mortgage statements showing payments owed for Escrow ( taxes and insurance ). This is incorrect because XXXX XXXX has paid the taxes and insurance himself since the inception of the mortgage. XXXX XXXX has made several attempts to rectify this issue with Fay servicing to no avail. We do not agree that Fay servicing is owed any money at this time and are asking to help rectify this situation and help the Arcess obtain the Satisfaction of Mortgage that is owed to them. Attached is the loan history detail received from XXXX dated XXXX XXXX which you will see shows that the loan has a principal balance owed of {$0.00} as of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX I dont recognize this inquiry on my report and would like it immediately removed

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 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 numerous dates from  XXXX   XXXX  until  XXXX   XXXX  to resolve a  XXXX   XXXX   XXXX   XXXX  account inaccurately reported on my Transunion and   XXXX    XXXX  Reports. The issue has been fixed on my  XXXX   XXXX    C redit Report. I recently received a letter from  XXXX   XXXX   XXXX   XXXX  that I did not initiate. I am enclosing a letter to CFPB and additional enclosures of proof.  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and Last letter  XXXX   XXXX ,  XXXX  have sent dispute letters. Two letters were returned addressed to Transunion, therefore I sent out last letters via certified mail.

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2021-11-12
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Citibank has declined my application for a Checking/Savings account citing " Unable to verify information on consumer report '' as the decline reason. 

Citibank 's decline letter recommends that I contact credit reporting agency, but the letter does not say information from which agency was used in Citibank 's decision. 

Also the statement that Citibank had made about the fact that it was not able to verify information on a consumer report indicates that it was a Citibank 's lack of expertise or effort in attempts to verify the information rather than anything being wrong with my application or my consumer reporting agency credit report since all information on my credit reports at all major credit reporting agencies is verifiable. 

By stating factually false information on its letter Citibank is trying to hide the real reasons for declining my application, which can easily be assumed were based on the facts that I am a representative of a non-typical class of consumers and that I previously exercised my rights under the federal law to complain about certain Citibank 's business practices. 

Also by stating a bogus reason for declining my application Citibank employs a strategy geared towards reducing Ciitibank 's responsibility to answer to customer 's complaints. Even when Citibank responds to this complaint with a corrected reason, the customer would loose the ability to file a complaint regarding the Citibank 's wrongful decision to decline my application as any subsequent complaints would be treated by Citibank as duplicate.

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 2017-06-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a collection letter with an account number balance owed and original creditor information. Date of service was not included. I called the number on the letter the man who answered tells me it was placed on my credit report  XXXX / XXXX /  XXXX  . I received the letter today  XXXX / XXXX /  XXXX  . First communication I have ever received, and they had already put it on my credit report. The man gave me service date from  XXXX . This is from 5 years ago, and this is the first communication I have recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They reported an incorrect amount on my credit report as well as doubled the charge on my 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 2019-12-03
Company: Brown and Joseph, Ltd
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Thank you for your time. 
I am XXXX XXXX XXXX an employee with XXXX XXXX  XXXX. 
Address : XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX I will try and keep my story short and sweet. 
I was placed on medical leave on XX/XX/XXXX. I had Short term and long term disability Insurance purchased through the XXXX/XXXX XXXX. 
XXXX, XXXX I was notified by the XXXX XXXX XXXX my XXXX was approved. 
I supplied all the information to XXXX XXXX, as well as {$28000.00} out of the XXXX Retirement accrual of {$34000.00} due to me. 

After sending XXXX {$28000.00} they then said I owe them {$57000.00} almost twice what was paid. I feel I thought I owed a little more, however I was advised by the XXXX XXXX XXXX to contact designated legal counsel. I was told there was a decision by the 5th circuit court of appeals to prevent either party from profiting over the XXXX Retirement Board back pay on XXXX, XXXX has not explained how they ended up at the figure they did. I started receiving phone calls from A collection company who left a phone number for a return call at XXXX on XX/XX/XXXX around XXXX XXXX. I received the letter from XXXX on XX/XX/XXXX dated XX/XX/XXXX, and a letter from Brown & Joseph LLC dated XX/XX/XXXX. I was placed into collections when I freely sent in {$28000.00} of which was not mentioned by either company in their desire to profit off what was not paid to me. If you can help please let me know what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX   XXXX  - calls placed by former student of  XXXX   6 t o 7 times t o Sallie Mae. Sti ll was not provided information requested - MPN, signature, disclosure documents, etc. for  XXXX   XXXX   XXXX . Please expedite this information to  XXXX   ( ov ernight mail ).     Falsification of documents suspected, and not being expedited as to the investigation.     Misinformation provide d by Sallie Mae Allegations and Investigations in that informed to send a letter ( attached ) addres sing issues, details, and proposed solutions regarding suspected fraudulent activity by   XXXX   XXXX   on  XXXX   XXXX .  One   XXXX   XXXX  informed that an affidavit has to be completed befo  re Sallie Mae will investigate.
Faxed documents over to Customer service and Sallie Mae Customer Service said never received. ( also attached - only part of document pertains to Sallie Mae. ) Then faxed to 2   other departments.     Date of  XXXX   XXXX  that loan documents signed was date that  XXXX  was at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: RoundPoint Mortgage Servicing LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my wife and i were approved for the hardest hit alabama program because i lost my job the program agrees to pay the mortgage for us for 12 months round point mortgage has reported to XXXX and XXXX 30 plus days late which is not our fault i attempted to make a payment online but do to the status of the account was unable to because the program makes the payments so it will not allow you to pay the account.

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 2017-06-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of identity theft. On  XXXX   XXXX ,  XXXX  I learned my former CFO was using my " signature stamp '' to open accounts for her benefit. The past employee also used my current credit cards to buy vendor supplies when she opened her own roofing company.     She was immediately terminated. We called the police department.  XXXX  police reports were made. Report  Number   XXXX  and Report  Number   XXXX .     Our former CFO plead guilty to theft/embezzlement in  XXXX . She was sentenced in  XXXX  days in prison on  XXXX / XXXX / XXXX .     It 's been a battle to remove " theft accounts '' from my credit report. All has been removed except EQUIFA X INFORMATION SERVICES . Equifax refuses to remove  XXXX  accounts.  XXXX   XXXX    XXXX   XXXX   for {$16000.00} and additional  XXXX   XXXX    XXXX   XXXX   for {$12000.00}.     I have contacted Equifax 4 times to remove and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
THE BANKRUPTCY SHOULD NOT BE IN MY 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 2021-11-12
Company: Self Financial Inc.
State: CA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( SELF / XXXX with account number XXXX Date Opened : XX/XX/2018 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX and XXXX Credit Bureaus . The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I attempted to contact Navient about removing some old late payments on credit report from XXXX while I was unemployed and was told no that nothing could be done because they were over 90 days old. I 've been in good standing since XXXX with payments and asked if there was anything at all they could suggest I do. The only option provided was to wait till XXXX to have it removed. It seems inaccurate to me that someone who was unemployed can not be assisted and especially after making payments on time for four years consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I ordered a shirt from a website, XXXX, through XXXX which is linked to my debit card. The order # XXXX was placed at XXXX XXXX for {$38.00}. On XX/XX/2019, at XXXX XXXX, I emailed XXXX re : Cancel order # XXXX " Please cancel the above order that I placed on XX/XX/2019. Thank you! '' No response from XXXX to my email. So, on XX/XX/2019 at XXXX XXXX, I emailed XXXX again re : Cancel order # XXXX " Please cancel the above order that I placed on XX/XX/2019. Thank you! '' Still no response from XXXX to today XX/XX/2019. Filed dispute with XXXX on XX/XX/2019 at XXXX XXXX, dispute case # XXXX. On XX/XX/2019, XXXX gave me a provisional credit of {$38.00} pending a final decision with the seller, XXXX XXXX ( XXXX ). On XX/XX/2019 at XXXX XXXX, XXXX denied my case and reversed my provisional credit of {$38.00}, because my billing dispute didn't match their qualification of a billing dispute. (? ) On XX/XX/2019 at XXXX XXXX, filed an appeal against XXXX XXXX   decision due to a lack of updates by XXXX about my order, tracking number, and no product received from them as of today, XX/XX/2019 at XXXX XXXX. Filing this complaint because my 30 days is near ( order date was XX/XX/2019 ) and XXXX did not specify a deadline on when they would have a decision about my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX XXXX  XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2017-06-12
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am an XXXX representing four individuals in a federal lawsuit alleging that XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), among others, including XXXX XXXX, Transworld Systems, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX are unlawfully collecting student loans they do not own by virtue of the loans being purchased by XXXX XXXX XXXX XXXX ( " XXXX '' ) during its bankruptcy. The case is pending in Maine, Docket XXXX.
The XXXX have over 370 collection lawsuits pending in state court in this state that my clients believe are unlawful. The lawsuits are unlawful because the Trusts do not own the loans. The loans are " Postpetition Purchased Loans '' as that term is defined in the XXXX Bankruptcy in US Bankruptcy Court - District of MA, XXXX XXXX Docket XXXX ( XXXX ). The Plan is Document XXXX and the Plan Trust Agreement is Doc XXXX.
In short, the XXXX are claiming ownership of loans that were purchased by the XXXX.
This is a SIGNIFICANT problem because student borrowers are being chased by the XXXX Plan Trustee 's collection agents and The Trusts for the same loans, payments have not been credited, false and damaging information has been transmitted to credit reporting agencies and borrowers are being harassed. My clients settled what they thought were the XXXX loans for thousands of dollars and were nevertheless sued by the Trusts on the same loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Meridian Financial Services, Inc.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.

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