BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my credit report and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. I am requesting an immediate investigation into this matter, and that appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Vengroff Williams, Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a small truck from a XXXX on XX/XX/XXXX. I returned the truck on the same day, as documented in the enclosed receipt. 
I was charged for 2 days of rental. 
I contacted the merchant who refused to make the adjustment. I contact the Bank XXXX XXXX ) who investigated the matter over several weeks and confirmed that I was correct. 
The Bank issued a credit for the extra day of rental and made a payment for all other charges. 
I received a letter from a Collection Agency Vengroff Williams Inc, that I need to pay the full amount ( even though the merchant had been paid by the Bank for total amount minus one day of rental charge ). The Collection Agency has threatened to submit this to the Credit Agency by XX/XX/XXXX. 
I have contacted the Collection Agency over the phone and via emails, but have not heard anything back. 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Mismanagement of auto loan where interest rates were too high

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 2023-05-06
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have XXXX dollars in my checking account and chime had confiscate them I been more than 3 month fighting with them by phone and email they keep telling me to confirm identity I had done that more than 10 times they keep canceling the check and re sending it this is very suspicious they been asking me so many times for same info wen I had done it and they have it on record u can see the pattern that they are working me so I can loose interest and let them keep the money I need a help so I can deal with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear sir or madam, I opened my BMO Simple Business Checking account on XX/XX/XXXX. At that time, BMO Harris has a promotion to open the business checking account. 

These are promotion requirements : By Day 31 your balance must be {$10000.00} and it can not drop below {$10000.00} for the next 90 days. 

Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of : ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions. 

I met all these conditions. But I did not receive {$500.00} bonus. I called BMO customer service and spoke to XXXX on XX/XX/XXXX. She documented what I said, Feedback XXXX XXXX XXXX, and she said that she would call me back about the status. But she didnt. I called BMO customer service again on XX/XX/XXXX and asked for the investigation status and was told that I am not eligible for {$500.00} bonus due to my account was opened on XX/XX/XXXX, and promotion has been expired. 

The thing is I opened my BMO Simple Business Checking account on XX/XX/XXXX, After I submitted all my information, I received an email to ask me to upload Business Registration Documents, which I uploaded them immediately on XX/XX/XXXX. BMO has all my information on XX/XX/XXXX. 

BMO rep told me that my account was approved on XX/XX/XXXX, which is one day late for the promotion. I dont know what happened and why it took another day for BMO to approve my application. However, I submitted all my information on XX/XX/XXXX, I also called BMO business checking customer service to confirm I was eligible for the promotion. This should be considered that I opened BMO Harris Simple Business Checking account on XX/XX/XXXX. 

I opened my Simple Business Checking account on XX/XX/XXXX, and I fulfilled all promotion conditions. Per BMO promotion requirements, I should receive {$500.00} bonus. 

Please investigate what happened and deposit {$500.00} into my account. 


Thanks 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 monetary relief
Consumer complaint received 2023-03-20
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX  XXXX, which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Crypto.com must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Transunion report features the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1991 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$970.00} Last Payment Amount {$0.00} Original Amount {$970.00} I have never signed up for this debt, but when I started the dispute with Transunion, the investigation supposedly determined that the information is accurate. Although I subsequently repeatedly requested the information this determination is based on, I was denied, while the derogatory incorrect remark has stayed on my report significantly diminishing my credit score and resulting in new credit rejections.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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 2023-04-13
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time I have file a complaint over a unverified account from SUNRISECREDIT SERVICE # XXXX. I recieved a response back in XXXX XXXX that this account would be deleted from my credit report. I AM DEMANDING THIS ACCOUNT BE REMOVED AND STATED BY SUNRISE CREDIT SERVICE BACK IN 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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to express my frustration with the credit bureaus failure to conduct a proper investigation and continuing to report inaccurate information on my credit report. 

Despite my repeated requests to have errors and inaccuracies on my credit report corrected, I have received no response or action from the credit bureaus. This lack of attention and disregard for my consumer rights is unacceptable and has caused significant harm to my financial standing. 

As per the Fair Credit Reporting Act, it is mandatory that all credit reporting agencies conduct a thorough investigation when a consumer disputes an item on their credit report. However, despite providing detailed information and documentation to support my dispute, your company has failed to take the necessary action to rectify the errors. 

The inaccurate information on my credit report has resulted in me being denied credit, higher interest rates, and other negative financial consequences. 

I have included a copy of all 3 credit reports and highlighted the inaccuracies and violations. All 3 reports should have identical information per account if everything was reporting accurately.

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 2023-04-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of the Equifax Data Breach that happened XX/XX/XXXX though it became public in XX/XX/XXXX. A settlement was finalized and the claims period was extended to XX/XX/XXXX. I submitted my claims XX/XX/XXXX. I gathered all my evidence that my information leaked to third parties and othe furnishers. I am still receiving solicitations yet i have opted out and froze my accounts on the 3main bureaus. I spent time and money gathering my evidence and that needs to be compensated. According to media reports, Equifax assumed that most people would not bother to submit a claim. But i submitted the claim. 25hrs is not enough time to gather information and prove that my information was affected by the data breach. Hope Equifax has put measures in place to protect consimers information from being breached again and their business practices have improved to work with us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Investigation took more than 30 days

Complaint:
On XX/XX/23 I submitted a dispute to the credit reporting agencies to validate and send physical evidence such as a signed contract by me or signed agreement between the accounts reporting. The following accounts are XXXX XXXX and XXXX XXXX. They have not produced such documents verifying these accounts to me. Please see attached letter. As per 15 US 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the are non compliant and negligent with the information they are producing on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was purchased by BSI Financial late XXXX. 
XXXX  submitted ( which did not got smoothly and took forever to process ) XX/XX/XXXX. 
PMI was not automatically removed ( although I was told it would be ). I submitted a letter to have PMI removed and eventually it was removed. Escrow overage check was received after XXXX closed out and payment was recalculated. 
I made my new payment each month on time. Most recently, I sent a check for my XXXX payment in the amount of {$1500.00}. The online portal shows the check as received on XX/XX/XXXX, but is listed as being " unapplied. '' It also shows my actual payment amount due as being {$1600.00} and shows that I'm delinquent on my XXXX payment. I've made several efforts to contact the company with no call back as of yet. I'm afraid of being charged late fees or worse, being reported to the credit bureau. They clearly have my latest payment and have not bothered to return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I am referring to the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation