BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: Source Receivables Management LLC
State: NY
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/XXXX I received a cell phone in the mail from XXXX. I called XXXX  and told them I didn't order a phone. They said the order was placed online. I ask them well it needs to go back cause I have new phone did'nt need another one. XXXX  rep stated to take the phone to the local XXXX  store which I did. I got a receipt from store manager.

On XX/XX/XXXX there was a charged on my phone bill for {$740.00} in addition to my regular {$100.00} a month bill. I called XXXX  stated the phone was return as advise from XXXX  rep which I have a receipt from the XXXX  store. They asked me to fax it over I did. They said they will investigate.

XX/XX/XXXX My cell phone service was shut off. I then again called XXXX  and they said they never received the phone, from the local store.so I'm responsible for the phone after I had show them the receipt. I then went to the store myself where I gave the phone to the XXXX Rep.he right in front of me called XXXX and stated to them that the phone was indeed sent back to there delivery dept. The manager got off the phone stated to me that XXXX will restore my service in a couple of hours. XX/XX/XXXX XXXX did not restore my service. I then was forced to go to XXXX XXXX  to purchase a phone. I had service with XXXX XXXX  since then.

XX/XX/XXXX I was in the process of purchasing my home this debt had showed up on my credit report on XXXX and XXXX XXXX. I called XXXX  again with no success. I then filed a claim with small claims.for {$800.00} XX/XX/XXXXwas my court date with XXXX. XXXX Rep from the store did not show up for court date the Judge have favor me the judgement since there was '' a no show '' from XXXX rep.XX/XX/XXXX I contacted XXXX the collection company that posted this debt on my credit report. They asked for the court documents. I sent all doc over they removed the negative reporting off my credit report.XX/XX/XXXX Got an alert from XXXX stating a negative reporting from " XXXX XXXX XXXX. I called Source RM stated the same information I stated back in XX/XX/XXXX to XXXX XXXX. I sent Source RM all court docs as well they refused to removed this off my credit report. I contacted all 3 credit bureau the debt was removed from one bureau but still on two other bureau.

My issues is that these collection agency buys the debt and I have to keep calling and fighting to have this debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
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: Information belongs to someone else

Complaint:
XX/XX/2018 XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX A.   XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX B. Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. account resolution services 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX I will also attach photos of Accounts and inquiries that are fraudulent. Remove them immediately. Please look at the attached photos. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in less than 120 hrs  of your receipt, thank you for your prompt attention to this matter. This isnt the first time Ive contacted you about this situation and if the accounts isnt removed by the time frame I demanded I will take legal actions immediately after the response letter. 

Sincerely 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 non-monetary relief
Consumer complaint received 2018-05-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank just closed all my accounts one day without any explanation i contacted them to no resolve My personal checking savings and business checking

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 2018-03-29
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The problem I'm having is now that I'm at the end of the loan.

I'm trying to pay more on the vehicle to get it paid off. But for some strange Reason they keep increasing the interest, My payment is {$450.00} I send {$500.00} I ask to have the extra {$50.00} applied to the principle and for whatever Reason the interest always seems to offset my payment so no extra funds Are available to go to the principle. This has been going on for the last 24 months Of paying for the vehicle. For example if I send in the {$500.00} they take {$300.00} & Apply that to the principle & the interest is {$190.00} The interest seems to be all over The place to keep me from paying off the loan before the 72 months. I have a email From the finance company detailed with all payments. I have approximately {$3400.00} Left on the vehicle & they are stating I have 10 payments left. If you do the math that Would be {$4500.00} not {$3400.00} with extra money being sent. I can send the detailed Billing register of all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: GA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : 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 2018-07-16
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I used their service in XX/XX/XXXX or XX/XX/XXXX and ultimately had medical issues that forced me to fil for Bankruptcy in XX/XX/XXXX. 

Today, after more than a year, I received a call from XXXX XXXX at XXXX  ( she claims is a collection company working for XXXX. Her phone number XXXX ext XXXX. She has called my home, my cell and my work today to threaten to send an officer with paperwork tomorrow morning. 

I reminded her that I had filed for bankruptcy and she said they would file another type of charge against me if I didn't agree to pay a settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: VW Credit
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX. I have been a customer of XXXX XXXX from XXXX through XXXX. My account number is XXXX. 

During this time period, for the XX/XX/XXXX payment, i was going to be out of the country and therefore, a payment was mailed in instead of the normal online payment. 
However, upon my return in XX/XX/XXXX, I became aware that XXXX XXXX had in fact not received my mailed in payment for XX/XX/XXXX and therefore, they placed a negative reporting on my credit. 
A second payment was also made at the time of my return to ensure that we would not be late until they figured out what had happened to the first payment. 

At this point today, I am trying to buy a house and this incorrect negative reporting is affecting my approval for the loan to purchase the house. 

I have several times to take this matter up with XXXX XXXX and their supervisors that I have spoken to refuse take any initiative or responsibility in assisting me to fix this important matter. 

I would appreciate your help to resolve this issue as soon as possible. I can be reached on my mobile at XXXX if any additional information is required on your side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX submitted identity verification materials to BinanceUS and was able to fund account via transfer of crypto from another exchange. While the fiat currency identity verification was pending, I was able to begin trading using the crypto funds that had transferred in and continued to do so without issue until the week of XX/XX/XXXX when all trading capability was locked along with my ability to withdraw my USD balance. Tickets to company attempting to resolve the problem have gone unanswered. There is no way to contact them. Their XXXX page @ BinanceUS is full of similar complaints. They are stealing people 's money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I keep getting different final amounts owed from week to week even after paying a substantial amount towards the loan. The company does not allow the user to view thier previous payment history on the website or from their app so I can track my payment history. Every week I have to ask what my remaining balance is, and every week it either goes up or goes down. I feel I am being taken advantage of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Russell P Goldman PC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Monday XX/XX/2020 I was contacted by Russel P. Goldman P.C. about a debt collection for private student loans from XXXX, after receiving a letter from his law firm on XX/XX/2020. He gave me a payment number that I would be unable to afford. I asked for a lower payment and his response was that wouldn't even cover my interest but if he were me he would send anything he could to them. He also stated this would continue to hurt my credit, before saying what I was offering was like " going into a car dealership and offering {$5.00} for a {$1000.00} car ''. Not only was the comment not appropriate for someone trying to work out a payment plan it was condescending and insulting. I had previously entered bankruptcy for this loan due to the fact that I could not afford the minimum payment and Russel P. Goldman refused to work out a reasonable payment plan. Also on the XXXX website it states " During the pandemic emergency, XXXX instructed its private collection attorneys to suspend involuntary collection activities related to defaulted XXXX loans, such as filing court judgments and wage garnishments. In addition, during the state of emergency, your defaulted XXXX account will be reported to credit bureaus under the approved disaster code, which should not negatively impact your credit score. Please contact the private collection attorney assigned to your defaulted loan. You may continue to make voluntary payments on your defaulted XXXX loan, or you may request a modification to the payment amounts due to unemployment or financial hardship due to the COVID-19 pandemic. If you need help getting connected to the private collection attorney, please let us know by sending an email to XXXX. '' and it sounds like they are still tacking interest on and also they are conducting involuntary collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: TX
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:
Experian Report Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate when is NOT, I have asked to delete the information but all other crit report agencies have complied except Experian, some one toll me that if I buy the membership of Experience everything will be resolved, I have complained several times but still the maintain the information. Please help!!

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 2018-08-01
Company: EQUIFAX, INC.
State: MD
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:
From XX/XX/2014 through XX/XX/2014, XXXXt is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Selene Holdings LLC
State: NJ
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:
Selene Finance has not corrected the 30 days paid late twice on my credit report for the last quarter 2020 as agreed. I have sent proof on my previous complaint and also emailed them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/19 I went through the drive through service at M & T Banks XXXX  and XXXX Branch and submitted a check number XXXX for my checking account ending in XXXX for {$940.00} and a deposit slip for {$840.00} of this money to be deposited in cash into my checking account ending in XXXX and when I received the receipt from teller Ms. XXXX XXXX my {$840.00} was not made available to me when I asked that the funds be made available she stated that she couldn't and stated her boss Mr. XXXX XXXX agreed. So I went inside the bank and her boss reiterated this to me stating this was the banks procedure that I had to wait until midnight to have access to my money. So I told him this was not correct and asked for all my paperwork back and told him I would take the transaction to the XXXX and XXXX Branch where I opened up the accounts. Mr. XXXX then said he would sign the check to give Ms. XXXX the ok this time but in the future I would have to wait until midnight to gain access to my money. When I contacted the XXXX branch I was told by Ms. XXXX that the Branch Manager Ms. XXXX XXXX was not available but I could write to the Regional Manager Mr. XXXX XXXX and Ms. XXXX would forward the letter to him via email and she said she did not have any other contact information to give me on Mr . XXXX. On XX/XX/19 I wrote the letter to Mr . XXXX   which was emailed to him by the XXXX Branch and to date I have not heard from him, although Ms. XXXX said the letter was emailed to him and a copy was sent to Ms XXXX. I also sent a message to customer service on XX/XX/19 and it was deleted from the system, I also spoke with Ms. XXXX a supervisor at the Customer Service department and she was very sympathetic but limited as to what she could do other than document my concerns and maybe someone would call me. I am very concerned that I am being denied access to my money and no one seems to care for today this issue has not been addressed so I would appreciate your help in correcting this matter so that I can go to this branch which is very near my home and make these transactions so that I have access to my money, which I always had in the past even at this location.

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 2019-02-19
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account with XXXX XXXX was closed XX/XX/XXXX due to insufficient number of points and I just received the letter today, XX/XX/XXXX. The account at the time of closing was in good standing and still had an open credit limit. I called the company to ask why and was told that they have the option to close an account at anytime even if it is in good standing based on a credit review. My concern is that there was no prior warning of being in any danger of having the account closed. The payments were made monthly and I was not in default. Had I been out of my home area with only this card to use, this could have been an issue. To my knowledge, there was still credit available and I could have been stranded with a declined card. Im also concerned as to why this letter dated XX/XX/XXXX is just reaching me now.

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 2017-01-10
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I filed a chapter XXXX bankruptcy proceeding XX/XX/XXXX, to include my 1st and 2nd mortgages with XXXX XXXX XXXX. My filing was discharge XX/XX/XXXX. XXXX XXXX XXXX then sold my loan to Nationstar Mortgage, who then began reporting 120 day late payments on my credit report from XX/XX/XXXX through XX/XX/XXXX illegally as I was no longer responsible for this debt. I have filed disputes with the credit reporting agency, I 've contacted Nationstar directly. Nationstar acknowledged my requests to remove the 120 day late reports from XX/XX/XXXX to XX/XX/XXXX, however denied my requests by stating that " they could continue to do this even after my bankruptcy was discharged for this debt ''. I have now been denied credit from this illegal reporting at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to harass me over debt that doesn't belong to me. I've sent in proof of its fraudulence, yet they continue to report it as accurate. In fact, XXXX deleted the accounts due to its lack of merit, but this company had it added back on which is illegal and a violation of my rights. This is causing me extreme anguish and I'm considering litigation. Please remove this account from reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received a phone call from this company. I spoke to a person who represented herself as a supervisor. Her voicemail says her name is XXXX. Another agent referred to her as Ms. XXXX, I believe. She recited my name, birth date, and even social security number correctly. She purported to be looking for my address or place of business for the purpose of service of process regarding a complaint made to their company by another company ( Check into Cash ) regarding alleged loans from XX/XX/XXXX and XX/XX/XXXX. 

I refused to provide any additional information. However, I told them that I made no such transactions and that I suspected identity theft. I also asked for the contact information of the attorney or law firm handling the matter, so that I might contact them to resolve the issue. I was informed that there is currently no attorney involved. That their company refers cases to various unspecified attorneys. I asked to have them provide me the name of the firm or attorney to whom they refer the case when they do so. They refused to provide any information. When I told them that I am a XXXX XXXX XXXX, they asked for my XXXX XXXX. I told them that it is a matter of public record and that they can contact the XXXX XXXX or look it up online. 

I asked Ms. XXXX whether the company is registered to do business in California. She stated that it is. However, I have not located any registration for this company with the California Secretary of State.

Company response to consumer: Closed with explanation