BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: ALLY FINANCIAL INC.
State: WI
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 recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via 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 2022-02-17
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX was my XXXX she got the insurance money and she is a scam XXXX she never gave me any results from any test she cares about money not people I might look into a lawyer to make sure she doesn't scam anyone else. Thank u XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX sued me with out serving me any paper work. Had no idea i was being sued. Got multiple calls a day from diffrent numbers never left one voice mail. None of the phone numbers showed up as XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX  XXXX ; XXXX XXXX XXXX  ; XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
using XXXX is problamctic merchants use it and mislead i have complained to them many times. Here, a cleaner left out what they do not do and i did not know they did not clean inside appliances or would not have ordered it. I had to pay another cleaner for the same service. XXXX is a problem, Merchants use it in a deceptive way. i disputed XXXX in XX/XX/XXXX and will not pay it. its back on my barclays account i got no paperwork to respond to which is typical and i stand my ground on the dispute this is for my upromise acct both cards are out of my wallet until this is properly resolved.

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 2018-09-21
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2018 Chase closed my account due to bad checks that were sent to me. I was initially told that XXXX had to refuse checks in order for me to make sure my account can stay open. Representative never told me that I had to call back nor did I receive a letter stating that my account will be closed. 

XX/XX/2018 Spoke to Loss Prevention and they said account was closed and I can't open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: BB&T CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Pending transaction on XX/XX/19 that hasn't even cleared yet caused two overdraft charges in the amount of {$72.00}. The charge is still pending but two overdraft charges POSTED before that charge. I have a pending deposit today that would cover that pending charge but they have gone ahead and charged me {$72.00} to ensure they get their money. It is not right. They are taking advantage of people who are already struggling. I attempted to resolve with XXXX but she told me that's just the way they post things and I could close my account if I had a problem with it.

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 2022-02-17
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regard to account number - XXXX, Original Creditor Name : XXXX XXXX XXXX. 

On XX/XX/2015, I was transported to the emergency room by XXXX XXXX XXXX. I provided my insurance information during transport. XXXX XXXX XXXX did not properly bill my insurance carrier for my transport. 

I called my insurance carrier ( XXXX ) to confirm my claim status with XXXX XXXX XXXX and was advised that no claim was filed on my behalf. I then contacted the XXXX XXXX XXXX directly and spoke to a representative to advise that a claim was submitted inaccurately or not at all, which caused a billing error/issue. I informed the representative with XXXX XXXX XXXX, after speaking with my insurance carrier ( XXXX ), to re-submit the medical claim, at which point the representative refused to resubmit claim stating that the timely filing period has expired, and I am now the responsible party of the alleged XXXX XXXX  bill. I believe XXXX XXXX XXXX balance billed me, which is illegal in the state of GA and then sold the account to Creditors Bureau Associates ( Collection Agency ). 

Creditors Bureau Association failed to provide me a notice of debt, prior to inserting this alleged account onto my credit report. I was not provided the opportunity to request validation of this alleged debt. I have disputed this alleged account on several different occasions with all major credit reporting agencies, as well as the collection agency, and all parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these inquiries. Listed the inquiries on a separate document and I would like action taken immediately. These items are holding my financial ability and potential up. I am a victim of identity theft so I would like these items removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but transunion stated that in fact is not the case. Nothing else has changed on my ( transunion ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion NA via XXXX XXXX, XXXX XXXX, and XXXX XXXX via 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 2022-02-17
Company: Experian Information Solutions 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:
These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 2022-02-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified of this debt. I did not receive any information on this debt. I requested information over 30days and have not received any. I do not believe I am responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX I received a letter in my mailbox from my employer XXXX about a garnishment. XXXX never gave me notice, no call, no email about garnishing my check on XXXX. Second Complaint, Asset Acceptance LLC never gave or received any type of notice about any notice about garnishment. The XXXX XXXX I never heard of the company in my entire life XXXX never gave me any type of notice about any garnishment no letter, no email, no phone call until now 16 years later. Attorney XXXX XXXX XXXX XXXX never gave me any type of notice about a garnishment but he gave me the run around when I requested for a copy of the original loan for XXXX about his computer system was down. Statute Of Limitations is 10 years in the state of Mo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The amount {$2500.00} Was taken on XX/XX/2015 The business in which was there before when a bank robbed and was supposed to drop the cost of debt but never did and are still trying to pursue the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have transferred XXXX ripple from a crypto exchange binance to XXXX after some time when i checked my XXXX wallet i received only XXXX ripple. On XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX to try and get XXXX hard inquiry off my credit report. They told me they was n't able to help me. I explain that I hard to hard inquiry that was 2 years old. Gave  them dates on both. XXXX inquiry was XXXX on XX/XX/XXXX. XXXX inquiry was XXXX XXXX on XX/XX/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 2022-02-17
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Total amount owed on my Vehicle was {$24000.00}. I sent in a check for {$25000.00} to pay off vehicle to Bridgecrest XXXX ( XXXX ) I was told I would be charged XXXX cents a day after the XXXX day payoff period and that they would put whatever date the check is made out for which was ( XXXX ). I overnighted the {$25000.00} to them via XXXX, they received the check on the XXXX of XXXX and are still saying I still owe {$510.00} and are charging me XXXX cents a day after I have already given them {$25000.00} plus the XXXX $ a month I was paying on the car for the time I had it, which totals around XXXX XXXX In all I have given Birdgecrest also known as, XXXX over {$30000.00} for a used car with over XXXX miles on it, and they are still saying I owe them XXXX XXXX Their employee told me on a recorded line that I wouldnt have to pay anything after XX/XX/2022 once the check was received if the check had a printed date, which it did! This is not okay and they also reported to my credit company that I was late/delinquent and the check is dated for the XXXX of XXXX. This isnt right and they should be held accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Radius Global Solution has been reporting a medical balance for laboratories services on the amount of {$170.00} which my insurance XXXX XXXX XXXX has informed me that Im cover 100 % for this services and do not have to pay anything. 
The collection agency doesnt care about my explanation and I have given them all insurance information but still report this negative and fraudulent charge to my credit reports. 
Please dont allow for fraudulent companies like this to harm our credit records. 
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 2022-02-17
Company: UnBanked
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Please reopen case XXXX, Nothing has been resolved by the company 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My current loan servicer obtained my loan while it was in default from    XXXX   XXXX   XXXX   .   I have sent numerous RESPA letters to try to obtain my entire loan history. However,  XXXX  can only provide their servicing documents and escrow account documents. The monthly loan records from    XXXX   XXXX   XXXX    and the original servicer   XXXX   have not been produced.  XXXX  offered me a Trial Modification and the letter states that " Funds  may  be held in a non-interest bearing account until they total an amount that is enough to pay the oldest delinquent monthly payment.   XXXX   can not provide a schedule showing the monthly amounts due to effectively apply the Trial Modification Payments.  <P/> In addition, their foreclosing law firm,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . did not send a Notice of  Default  and 30 Day Right to Cure letter. Copies of the attached letters have been sent to the foeclosing law firm requesting a loan history and they as the debt collector can not provide such information either. Why is the loan history since inception of the loan missing?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation