BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ) Dentist performed and completed dental work without authorization of insurance. Dentist offered me bridge and ssid it was covered after it was done insurance denied it due to previous tooth missing. Dental then charging me for full cost. Insuance advised me not to pay since dentist did not receive authorization prior to work. Had I known it was not covered by insurance I woul have had a single crown which would have been covered. 
2 ) Went to dentist to re glue a crown and covering dentist filed crown and exposed metal on different areas then glued back on. I then went to my regular dentist and told her she lied to me and ssid that was just normal wear and tear! No it is not it was obvious of filing. Besides whennI went in crown was intact and notice at home it was exposing areas of metal! Terrible services and no honesty! Very unsatisfied! Poor communication

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 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Every single XXXX XXXX XXXX XXXX account that Is reporting on my consumer report is incorrect and needs to be removed. Every negative alleged account is reporting inaccurately, and erroneous which is grounds for removal under the Direct Violation of 15 USC 1681 Reporting incorrectly. Please have them do a full complete investigation on my credit report, please dont just have them do it by eoscar, my life is depending on my good credit. Every inaccurate account is unauthorized and needs to be removed ASAP.

This debt collector and credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX  I applied to refinance with XXXX XXXX XXXX XXXX they pulled all three of my credit reports through factual data. 
I did not open an account and would like factual data inquiry removed from all three credit bureaus. 
The inquiry is approx 1 year and 6 months old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We began using WePay by Chase as our online processing company through authorize.net on XX/XX/XXXX. We had XXXX {$22.00} chargeback in XXXX of XXXX because a customer didn't recognize the charge name on their statement, which they later came in and paid. WePay by Chase has processed roughly {$78000.00} through their services. On XX/XX/XXXX we received an email stating that we were deemed high risk and they would no longer be processing payments through our site, however, they collected payments from XX/XX/XXXX up through XX/XX/XXXX, the date that they notified us that we were high risk, and we, not knowing that they were going to do this, released the merchandise to the customer. 
Upon contacting WePay, they state that they will release the funds after 120 days. We are not a major corporation that can just give out 10 days worth of merchandise and get paid for it in 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Sunlight Financial LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
i own a XXXX XXXX ( XXXX XXXX XXXX  ), the bank ( Sunlight Financial ) who initiated a loan for a customer ( XXXX ) of mine shorted my company monies ( {$15000.00} ) that we installed a Solar Sytem for. I have called all parties involved with no response. Please advise what would be my next procedures XXXX is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check of {$6000.00} to my Wells Fargo account using my debit card number XXXX on XX/XX/XXXX but my money is being held and I am told the money may not be available to me until on the XX/XX/XXXX or my check declined and returned after XX/XX/XXXX because I did endorse the back of the check. I have called Wells Fargo customer services 4 times but they would not release the funds to me insisting that a verification is being done. They have not contacted me nor the paying bank for the verification and have declined to return my check. 
My account is overdrawn and I have overdraft charges to pay. Customer service response to me has been horrible as they can not explain the verification process to me and I can not communicate with the verification department to expedite the process. 
I want my funds released to me to avoid additional financial and emotional damages.

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 2023-03-20
Company: SERVICEMAC, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Investigation officer, I have been paying mortgage from the same bank account for last 1 year and the money was available, but the payment was bounced & marked for 30 days late. I have reached out to the company & they have given me a runaround for the last 3 weeks without any satisfactory answer. I have submitted to show the bank statement that the money was available but as of now there is no result.

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 2023-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for a villa to rent out for a couple of days in the XXXX XXXX and came across the site XXXX  on XX/XX/2022 and inquired about a villas availability from XX/XX/2022 - XX/XX/2022 ( Link to villa is XXXX XXXX XXXX XXXX ) .After submitting my inquiry I was connected with an individual named XXXX XXXX XXXX XXXX XXXX He provided me information about the Villa and quoted me at {$6000.00} for our stay. Before I submitted payment, he provided me an invoice detailing the dates, name of the villa and terms of payment which included 50 % payment to reserve the villa and 50 % payment 1 month before check in. I sent the first payment on XX/XX/2022 in the amount of {$3000.00} through a wire transfer and {$1000.00} through a XXXX  transfer. On XX/XX/2022 I completed the payments and sent {$2000.00}. When the day came to check in I, along with 25 family members and friends, received a message from XXXX stating that he accidentally had me booked for the wrong dates and that the villa wasn't available. He apologized and said that he would refund me my payment by XX/XX/2022. 2 months have passed and he has been avoiding my messages and calls. I did further research and found I was not the only victim of this individuals fraudulent practices. I came across an article ( Link : XXXX XXXX XXXX  ) that states this company defrauded a family out of {$5500.00} last year. I was also placed in contact with a family from XXXX that was robbed by this individual out of {$25000.00}.

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 2023-03-20
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got an Issue with a collection Agency called CKS Prime Investments I never received a call or a letter from this company the only reason I knew it was on there is the fact I got an alert from the credit report agency that a new collection account was added. The account this company has is an account from XXXX credit card I never had an account with this company I got in touch with the original creditor they did their investigation and determine that it was a fraud account and sent me a letter stating that it would be removed off my credit reports. The collection agency didnt remove it so I disputed though the credit report agencies with the dispute I provided the letter from the original creditor the collection agency still didnt remove it but they did something sneaky by leaving it on my credit reports changing some of the information like the name of the original creditor name the type of account, and the closed date. I tried to contact them by phone but could never get an answer.

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 2022-07-12
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just received a letter at work stating my wages would be garnish without any proof that account was mines. I never received any verification it's indeed my account and or how the account existed I tried calling the number but the lady couldn't provide information on it and i tried emailing but the email isn't real

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: FL
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:
XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: AZ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : It also states 15 U.S.C. 1681 Section 602 A. States that 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 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This company randomly increases and decreases my credit score on an almost daily basis. Today my credit score was decreased by XXXX points because a credit card is over limit. The card has not yet over limit for 30 days. Further, the card is slated to be paid down at the end of the month. I guarantee you, my credit score will not increase by XXXX  as quickly as it decreased. This company is engaging in terribly unfair credit reporting practices!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We have paid Care Credit and met the minimum due for XXXX, XXXX, XXXX. Unfortunately, payments were going to an account Synchrony had CLOSED due to inactivity during initial Covid lockdown. I realize the mistake ( automatic bill pay routed incorrectly ) is on our part, however we phoned Carecredit/Synchrony after each late charge and they could never figure out that we were paying the wrong account? Meanwhile, a credit kept accruing on a closed account for XXXX payment cycles. 
All I am asking for is a that they waive all three of the late fees as they received money from us by the agreed upon date in the required amount. I think this is an excessive price to have to pay for a simple mistake.

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 2019-08-29
Company: HCFS Healthcare Financial Services of TeamHealth
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 sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

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 2023-03-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I used the link provided by Chase to apply for their Marriott XXXX XXXX credit card in order to earn the XXXX points they are contractually obligated to provide to me via their promotional offer. I completed my contractual obligations by charging {$2000.00} to the card within a 3 month period ( in fact I did so within 3 weeks or so ). It is XX/XX/XXXX and still no bonus program points. After numerous phone calls to both XXXX and Chase..Chase who is accountable for assigning said points indicated that my XXXX XXXX card was not eligible for the points they advertised with the card, no explanation as to why And they are running the Exact Same rewards program for that card Now! I simply and rightfully want Chase to complete their contractual obligations to me as I have with them and award my XXXX XXXX account the XXXX points I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Santander Consumer USA took cash. The Finance charge is supposed to include insurance, but Santander Consumer USA made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to Waypoint RESOURCE GR on XX/XX/2019, and asked to validate the debt which they say I owe. It has been months later and I still have not seen any proof of the amount of debt owed. Here are the questions I wanted to know : The name of the creditor to whom the debt is owed A statement of notice that the debt will be considered valid by the debt collector unless the consumer disputes it within 30 days of notice A statement of notice that if the consumer disputes the validity of the debt in writing within the 30-day period, the debt collector will obtain verification of the debt and mail it to the consumer A statement of notice that the debt collector will provide the name and address of the original creditor if requested in writing by the consumer within the 30-day period. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for the alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to a collector. 
The complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: NC
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:
From XXXX to XXXX their were several fraudulent accounts opened using my personal information with out my consent. I am in desperate need of these accounts being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2023. Social security pension check was given on XXXX the XXXX 2023. Social security XXXX stated that my father is due the check in XXXX because the check is a XXXX check this check is a month behind due to social security. The bank Chase Bank has instructed they claim for the amount due to the case of the XXXX  beneficiary the bank Chase Bank is claiming that my father account is overdrawn by {$800.00} yet his a check is for they will not release the funds nor will they send the check back to social security until payment is given of {$800.00}. I informed them that social security said they could take the money out of his check and either deposit the rest of the money or send the check back to social security with the amount taken out of the {$800.00}. Bank does not agree bank will still hold it they have a hold on my father 's check since XXXX the XXXX they won't solve resolve this problem with me nor will they send the check back to social security or lift the check to get the money that he is owed and release the funds to his account. They will not help me no matter how many times I walk into the bank and ask them or call them and social security said their hands are tied until the bank agrees to either take the money that's owed and issue the check or reissue another check under my name a mail check through social security. The bank stated that XX/XX/XXXX they will lift the check then they said the XXXX of XXXX now they said they're just holding the check until the overdraft amount is given. I spent them I do not have the funds Bank said they can't do anything about it. So they're holding the check not releasing it back to social security and they will not release the check to take their money and deposit the rest of the money that's owed to my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: FL
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:
The following inquiries are fraudulent. I have been a victim of identity theft for the past XXXX years and there is an active police report on file with all XXXX credit bureaus. 

I need all of these inquiries deleted frok my credit report. 

XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX Dealers XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX

Company response to consumer: Closed with explanation