BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-18
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from Persolve Legal Group, LLP that was addressed to XXXX XXXX at my personal home address. I AM NOT XXXX XXXX. I am XXXX XXXX. The letter states that the company is attempting to collect on a debt that XXXX XXXX owes to XXXX XXXX, XXXX. The amount is {$5700.00}. There is no one by the name of XXXX XXXX at the address listed. I AM NOT XXXX XXXX. I am XXXX XXXX. I have never done business with XXXX XXXX and I have never sought a XXXX Credit Card. This debt was originally attempted to be collected by XXXX XXXX XXXX XXXX XXXX I submitted a complaint with the Consumer Finance Protection Bureau ( Complaint ID XXXX ) for which YOUR BUREAU DID NOTHING to resolve this complaint. I had to contact XXXXXXXX XXXX and received a letter dated XXXX XXXX, 2021 telling me the following : The account for XXXX XXXX has been shut down. 
I have been CLEARED of any responsibility for this debt being that I AM NOT XXXX XXXX. I did not make any purchases and I am not responsible for them. 
In addition, XXXX XXXX notified all three credit bureaus to remove this account from my credit report. 

Now the question is, when is the Consumer Finance Bureau going to actually DO SOMETHING FOR A CHANGE and go after identify theft and consumer fraud?? 

I am OUTRAGED that this debt collection was transferred to ANOTHER DEBT COLLECTION agency which is going after me for the same amount and I am NOT XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
I agreed to pay off the debt from the debt collection company and did so. I have a paid in full letter showing that I did. I was told it would come off of my report after doing so and it is still there. I would like this deleted, it is currently a problem with receiving aid during this pandemic. I have attached the paid in full letter showing I held my end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XX/XX/2016 I purchased item from XXXX 's XXXX XXXX using CitiBank Visa and returned item to the store on the same day, XXXX 's charged me twice for the item. When I reviewed my statement I noticed the charged, contacted CitiBank and asked them to reverse the charge. CitiBank initiated an investigation, requested numerous documentations and reversed the charges. Since then, Citibank has informed me twice that the merchant advised them they never received a return and reversed the charges, effectively adding {$470.00} in charges to my account. I disputed the charge again, going through the same process, and I received final notice this week that the merchant has once again denied receiving the return and the charges were added back to my account. CitiBank also informed me that there was nothing else they could do and that I would need to seek other means of addressing the problem. XX/XX/2016 I contacted the retailer, informed them of my issue and was provided with the location 's loss prevention manager contact information. She was contacted XX/XX/2016, we spoke for 10 minutes and I was instructed she would call me back with information. The loss preventin manager contacted me 40 minutes later and informed me that she was able to video validate my information and would be able to refund the {$470.00} as soon as I was able to come to the store. She also reported that she has not received any contact from Citibank regarding my dispute. My complaint, CitiBank mislead me over the course of 3 1/2 months regarding the resolution of my issue and then informed me there were no additonal steps they could take. How is it then that I was able to resolve the issue in only XXXX20 minutes of direct talk time?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My chime account was closed was closed XX/XX/2022 and I didnt get a warning email to remove my funds. They just closed it and sent and email after, I contacted them about my funds and they have been charging my account STILL!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
ON XX/XX/2020 XXXX  XXXX XXXX  SHOWED PAID.ON XX/XX/2020 IT WAS REVERSED.CAUSING A PROBLEM WITH XXXX  XXXX XXXX.I WAS UNAWARE OF THIS CHANGE.DID NOT GET ANY NOTIFICATION FROM T D BANK.ALONG WITH OTHER OVER DRAFT CHARGES MADE IT IMPOSSIBILE TO PAY MY BILLS.I ASKED TO SPEAK TO A MANAGER AT THE BANK SPOKE TO A MANAGER AND WAS TOLD NOTHING COULD BE DONE.I CONTACTED T D BANK SUPERVISOR XXXX.EXPLAINED MY SITUATION WAS TOLD NOTHING COULD BE DONE.BASED ON REFUNDS GIVEN EARLIER REFUNDS HAD REACHED THERE LIMITS.IN THE MEANTIME I FELT MY CONCERNS FELL ON DEAF EARS.WHY WOULD A PAYMENT SHOWED PAID ON 1 DAY AND THE NEXT DAY NOT PAID.BECAUSE OF THIS I HAVE SERIOUS PROBLEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is a complaint against Branch Banking & Trust, to request removal of my XXXX credit report dated XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquirie that aparace in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Transunion 's end. This is my 5th attempt to request all documents to be provided and issued to me. Not fulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XXXX Card Date of Inquiry XXXX, XXXX Inquiry Date 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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  THE FOLLOWING ACCOUNTS XXXX 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX  have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-06-25
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2016 at the end of the business day. I had {$2.00} in my bank account. Nothing was pending on XXXX XXXX 2016 I deposited {$80.00} period on XXXX XXXX XXXX that evening I withdrew {$20.00} two different times. There 's a {$2.00} charge per withdrawal from each provider my bank and the ATM. That is a total of {$10.00} with the XXXX that is a total of {$50.00} that took my balance from {$82.00} down to {$32.00} which is what my balance was on XXXX XXXX 2016 when I woke up. I put {$10.00} and gas taking me down to {$22.00} in my balance. I withdrew {$20.00} from a XXXX ATM which is a fee free ATM that took me down to {$2.00} balance at roughly XXXX. on XXXX XXXX the same day. I deposited another {$80.00}. On XXXX XXXX 2016 I open up my ( remembering that each of those {$80.00} deposits XXXX of them to be exact. Were deposited at XXXX separate branch locations. The first {$80.00} deposit was that the mall branch in XXXX West Virginia. The second {$80.00} deposit which was on XX/XX/2016, was at the XXXX downtown branch. ) U app by BB & T to find that they returned XXXX of the ATM fees and charge me {$36.00} so where did {$20.00} go?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX credit bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXXXXXX

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 2021-09-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2021, I had consent to a complete background screening for employment. Only then was it brought to my attention that I had a multitude of debt and arrests I had absolutely no knowledge of. Due to a private domestic XXXX situation, 10 years ago, I went into hiding and refrained from anything that placed my information on public record. During this period I had not asked for any credit from anyone cause it placed my safety at risk. I immediately obtained legal counsel and began researching all of this fraudulent activity which began nearly 10 years ago. I filed an identity theft report with law enforcement and the Federal Trade Commission where I received instructions on the recovery process. A fraud alert was immediately placed on my account to prevent further theft and new fraud accounts. Also, all of the necessary documents needed to dispute these fraudulent accounts, were sent via certified mail to the credit bureaus. Under the Fair Credit Reporting Act 605B, the reporting agencies shall remove and block any information from a file that is a result of identity theft. The credit bureaus are alleging that National Credit Systems was informed of my documented report of identity theft but instead continue to report this debt as valid ignoring the proof in my documentation. I have never done business with this agency or any creditor affiliated. They do not have anything indicating that I authorized use of my identity to receive any services. I have never provided any forms of identification or signed any contracts to validate this debt. Therefore, ignoring my requests and continuing to pursue payment on a fraudulent debt is extremely unfair, illegal and a bad business practice. I am currently working on obtaining video evidence to bring criminal charges to the person responsible whom I believe is a close relative. In the meantime, this agency needs to honor my rights as a victim and remove this debt from my name and cease all collection efforts from me as I am not responsible nor have I participated in incurring this debt. I believe each company has a process on dealing with fraudulent accounts as they would also have extensive means to verify one 's identity prior to opening these accounts. This has been an overwhelming process and I'd appreciate it if my rights were honored and this debt is removed from my account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems has contacted me numerous times despite my telling their staff that I paid this debt directly to the doctors office and it is paid in full. There is no debt to collect, however they continue calling and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXXXXXX 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 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 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted multiple disputes and an FTC report regarding fraudulent hard inquiries on my credit reports. 

Transunion : 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 XXXXXX/XX/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 2022-05-18
Company: EQUIFAX, INC.
State: TX
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:
I sent a supporting letter off on XXXX XXXX 2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to a third party.

There are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: DISCOVER BANK
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a Home Equity Loan through Discover Home Loans and was denied due to the fact their appraisal found my home to be vacant. My home is occupied and can be easily proven. They did not allow to be to dispute this or ever send me a copy of the appraisal until after they had closed my loan. They have also disregarded all my documentation showing my residency and have not provided any information on why my house was labeled vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 

In addition to this I have completed a request for modification affidavit and sent this to Select Portfolio Servicing, Inc. in XXXX I have received no response to my request for loss mitigation options. Instead, SPS has elected to put my home up for auction on XXXX XXXX, 2015. I feel this is a gross violation of my rights according to XXXX Code XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi back in XX/XX/XXXX went to the Mall shopping preparing for a trip overseas and that day was the last time seen my wallet it was overwhelming couple weeks with the coronavirus and my trip to XXXX by the time I got there on the XXXX of XXXX I called my wife asking her if she had seen my wallet with all the credit cards and my driver license she told me no I told her to look again but no luck so I started calling my credit cards company to report my cards lost but who ever found them had already charged a lot of money on those cards in between those cards it was XXXX XXXX XXXX so they investigated the charge first time with no documents they denied it the second time I sent my passport and the ticket and my identity and police report they investigated for a little bit and denied it again I wasnt happy with the results And what the manager Told me first he said the police report was fake and than he said nothing is adding up to the claim And more the card was swiped at that merchant saying that so looked it up it saying the company went bankrupt I call today to see if there a way they can reopen the case again but XXXX said no I cant I mean I got them everything they asked for and still told me nothing is adding up so please help me with this case to get it resolve and it was a big amount they charged that card for XXXX Im on XXXX XXXX now and I cant pay for something that I did not purchase 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 explanation
Consumer complaint received 2017-10-04
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Okay, I have contacted and spoke with this company numerous times. The company XXXX has been coming after me for years about this debt with XXXX Apartments ran by XXXX XXXX in XXXX in the amount of {$1600.00}. I satisfied all my judgement with them on XXXX XXXX, XXXX. I still have my original documentation from the day I paid them and have kept it just for this very reason. I have sent a copy of this document to them and they still are coming after me stating I owe them now and not the apartment. I moved out of the apartment XXXX of XXXX and satisfied my judgement while in court there is no reason that I need to pay these folks again.

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