BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-08-29
Company: Deutsche Bank
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I made a wire transfer through my XXXX XXXX account on XX/XX/2022 and the fund were sent to an intermediate bank called Deutsche bank. It has been almost 3 weeks of continues followup and i have requested a call bank on the transfer but the XXXX bank is not responding to XXXX XXXX i have reached out to the bank myself and also XXXX XXXX but there is no response it was {$9100.00} my hard earned money. 

My number is XXXX please help me get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection. 
I, XXXX XXXX, Consumer, dated on XX/XX/2022 am putting Resurgent Receivables LLC on notice to cease and desist all communications with me. 

Also, I am fining Resurgent Receivables LLC for {$5000.00} pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

Resurgent Receivables LLC has violated my consumer rights and you are on notice as of XX/XX/2022 and will be invoiced for each violation according to federal law 15 U.S. Code 1692k - Civil liability. 

Also let XXXX know, pursuant 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
Because it is sufficient evident, Resurgent Receivables are attempting to collect an alleged debt of extension of credit by extortion means. 

Thank you, and best regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Credit card
Issue: Other

Complaint:
Midland Funding LLC bought my XXXX XXXX {$6000.00} credit card debt ( Acct # XXXX ) from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have requested from all the junk debt collectors in writing to stop the collections calls, provide verification of the debt, and provide ownership of the debt. I received abusive telephone harassment calls from all the junk debt collectors on this account at the same time but I did not receive the written documentation requested. They ignored my do not call letter. 

Midland Funding through their lawyer, XXXX XXXX, filed the XXXX/XXXX/2016 lawsuit # XXXX against me. It was served at all hours of the day even at XXXX. The process server even contacted my neighbor and illegally disclosed the debt. 

Even after my filing bankruptcy on XXXX/XXXX/2016 Midland Funding has not closed the lawsuit against me. The court had to dismiss the lawsuit on due to Lack of Service. Midland Funding misuses the legal system with lawsuits that they fail to support and only as an harassment tool to deceive and defraud the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: PA
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:
I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you.

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 2016-03-10
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail stating I owe {$1800.00} to Midland Funding and/or XXXX, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both Midland Funding and XXXX to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midwest Recovery Systems reported a collection debt to my - Credit file on XXXX XXXX, 2016, - for {$840.00}.. I never received a 30 day disclosure of any collection activity. I filed for bankruptcy in XXXX and never knew anything about this debt until I reviewed my credit file and saw that it had dropped XXXX points as a result of this company. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file-. Again, this caused my credit score to drop - points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. This is an illegal practice of debt selling and manipulation that violates the FCRA. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently doing a Heloc mortgage with the Bank of the West, pending the final signing. When I first went to their branch on XX/XX/2022, the bank clerk told me the rate is Prime rate ( Index ) plus margin 0.765 %, if I meet some requirements ( They will put the discount on the rate. Please see the attachment ). 

Even till yesterday ( XX/XX/2022 ) they informed me that the loan doc ready to sign, they stilldid n't tell me the rate has been changed. It was me insisted that I want to get a review of the docs before loan signing, just to double check if they have put all the discount on my rate, then they told me by phone that the rate ( margin ) was changed from 0.765 % to about 1.0 %. 

Last week, during the loan process, I asked them very specifically that if I need to add my wife 's name to the title of property for this Heloc mortgage process. They replied says that I can add her name now or do it later without any information on adding extra margin for this case. 

To get 0.765 % margin, I have done everything they asked, including deposit XXXX to my checking account in the Bank of the West for over 10 days. 

And at last minute, before final signature, they told me the margin was changed due to the exception they gave me, I feel that I was cheated at the whole process. This is definitely not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To whom it  may  concern I  XXXX   XXXX  Submitted a payment on  XXXX  Ally financial which is my car payment, I made a at deposit that day at night around  XXXX  pm as I previously was told that I need it to make a deposit that day to avoid any fees or over drawn fees, so I made a deposit of  XXXX  than an additional  XXXX  dollars that same night and I printed a receipt that night and I was current and that was the reason why  XXXX  went on the  XXXX  of  XXXX  to deposit the rest of the money to avoid any fees and so I was current. I was n't negative anymore that night as I covered the full amount negative. I was back on track.   The next thing I know is that chase has charged me a fee for insufficient funds.??? Why if I made the deposit that same day to avoid fees. Before midnight unfortunately I was at work and could not get out until my time to finish my shift. But I deposited the money before midnight and I was current the next day  XXXX  found out that  XXXX  gave me that fee of  XXXX  o   XXXX   Makes no sense. I deposited the money that same day.   And the amount that I deposited cash seems to still be pending??? It should n't still be pending it 's cash heloooooo.  XXXX . It should have taken action and effect immediately that day to avoid charges and insufficient funds. Also we have a different time frame.   Why is that deposit still lending as of today   XXXX   XXXX   when it was cash not a check.   I am very upset and are thinking about leaving chase sometime soon. I 've had problems in the past with a personal check that atilano  XXXX  gave me but I do thank  XXXX  because that was successfully fix and solved.     Now I here we go again.???   The deposit should not have to be pending still is cash not check. It 's is not my fault that there was a fee of insufficient funds when I did everything possible to deposit and I did deposited the money that same day before  XXXX  hours or  XXXX  hrs to get fees. I was so right that I was n't gon na get any fees and look at this it did that is crazy.   I am not sure if chase has something against me. And why the despots are still showing pending that their system mistake not mine. I want them to fix and solve my problem. It was n't my fault and I did the deposit that same day before midnight my time. I was not aware that it supposed to be at  XXXX  instead as the representative told me. I promise u and assure u I was not aware of that. Anyway after my deposit the receipt said I was current and I throw the receipt away at the garbage of the branch I went to in  XXXX . I wish I had it to print it and take a copy of it so I can use that as proof although  u  do n't think is necessary because  XXXX  can confirm that I made the deposits cash that day and that I was current. Please help me this is very frustrating that I 'm waiting  XXXX  min to  XXXX  hr trying to fix this important matter what is going on with chase?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, My name is XXXX XXXX and I am an XXXX American woman. I have worked in financing and credit for 20 years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the 500s and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXX woman. This is so unfair and I am ready to sue and advocate for change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted XXXX request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section XXXX XXXX b ). 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance 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
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian Attn : Customer Care XXXX XXXX XXXX XXXX, XXXX XXXX Refuses to have a human answer the phone in order to solve the issue of removing data that is NOT CORRECT where I have asked them to make these corrections and provide evidence of the correction. 

Therefore they do not send the information to prove correction has been made, the DO NOT ANSWER THE XXXX PHONE XXXX or XXXX This repeated refusal to pick up the phone is preventing me from confirming the information still exists and is NOT CORRECT or the information has been corrected. 

As a XXXX veteran who is triggered by the experian phone system from XXXX there is no override to get to a human and if they have DATA THAT IS MINE THEN THEY HAD BEST ANSWER THE XXXX PHONE AS I HAVE HAD ENOUGH OF THEIR DISREGARD.

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 2020-09-28
Company: EQUIFAX, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Had lab work done at doctors office. XXXX XXXX lab did not bill ins co. I have complete coverage. Sent my bills to incorrect address. Never received bills. They did not attempt to get right address. Put bill into collection. American Medical Collections never contacted me at my correct address but attached this debt to my credit report which was flawless. XXXX Notified them the debt was in error but the collection agency will not take it off my credit report for 45 days. This has significantly lowered my score. XXXX will not send me a letter that they made error sending to Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was recently contacted by eastern revenue the debt collection agency telling me that I had a debt due of XXXX dollars from the XXXX college of XXXX. I put in a request to remove the charges from my account but I was told that the college policy states that I have to drop the class if I do not plan to attend it. But I did attend to take the class and I did, I went to the first few classes but the XXXX class in the professor told that I was not on the class role sheet. So I went to the financial aid office and they told me that my financial aid did n't go through and I do n't believe that was my fault. Because on my side it did go through. This past Thursday on XX/XX/XXXX I went to the school to dispute my issue again and this time I was told the reason why my financial aid did n't go through on their side was because I did n't apply for the XX/XX/XXXX financial aid but by the time I applied it was XX/XX/XXXX. I called the financial aid customer service and they were on my side saying it was n't possible for me to apply for XX/XX/XXXX if it was already XX/XX/XXXX. I believe nothing wrong happened on my side if anything wrongdoing was on the schools side.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I gave the company {$10000.00} in XXXX. They didn't put the money to apply to what is owed of my mortgage, and threatening to foreclose, unless they get more then what is owed. They will not answer my phone calls, at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well. 

please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, INTERENAL REVENUE SERVICE PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - XXXX REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX   : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation