BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: Ditech Financial LLC
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This issue is in regard to a mobile home title in Montana. The lien on the title lists the lienholder as : XXXX  A DIVISION OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX The lien was put on the title in XX/XX/XXXX when we purchased the ( new ) mobile home. 

The loan was paid off in XX/XX/XXXX when we refinanced through XXXX   XXXX, but the lien was never released by XXXX as verified by the Montana Motor Vehicle Division. 

I have contacted XXXX  XXXX XXXX since XXXX is no longer in existence and they said this loan was a Ditech/XXXX XXXX loan and that they had forwarded my the information and documentation I provided to Ditech, In 2 phone calls to Ditech, they have assured me they will not even look into this for at least 30 days even though I have pointed out that the lien release is in essence 15 years past due. I personally provided them via fax on XX/XX/XXXX a copy of the title and a copy of a form XXXX which shows the loan number, our names, and a social security number of my husband, the primary borrower who is now deceased. I gave the dates of the loan origination and payoff. I was on hold for an hour and 15 minutes on the phone today, the second of my ( exceedingly unhelpful ) calls to them. The representative at Ditech would not even confirm that they received my information either from XXXX or my fax. 

I was supposed to close on the sale of this property last Friday. With a sale of the property on the line I do not have a month to wait to possibly hear from them regarding this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The original debtor has removed themselves off of my credit due to inaccurately reporting on my credit to begin with. I never had a loan with XXXX and thats what they reported on my credit. I took this matter up with XXXX XXXX XXXX and was able to get the account removed. This collection agency has no account to link with on my credit and needs to be removed immediately as requested several times. Also I was never notified in wiring or via phone about this attempt to collect a debt yet it was added on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There was not an option for this problem but I had a collection come up on my credit score for a {$320.00} debt I thought was paid but apparently the check was lost also they never informed me I was past due or that it was going to collections till it came up on my credit score. I and my old roommate have made multiple calls and emails to try and get the money owed paid but the emails are never returned and the calls are either voicemail or told to call back later when someone else is in the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2018 - late payment submitted due to login issues. This is the only late payment on this account and I have tried to work with creditor several times to have this removed to no avail.

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 2018-09-30
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
credit reporting show no collects it also show 3000 plus balance due which in correct if there is no collection why do the record show XXXX balance, remove this from my report are show to whom I owe

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 2020-02-05
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sent Cease & Desist letter to company in XXXX including a dispute. I have also disputed this via XXXX  early XX/XX/2020. This was covered by XXXX XXXX and I was never billed for this amount by XXXX XXXX. Now I have a derogatory mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Reliant Capital Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Background : After several violations of the law employed by XXXX XXXX XXXX   contracted for hire by XXXX XXXX XXXX University, XXXX continues to work around fair collection violations laws by jumping from agency to agency to keep the infliction of purposeful pain going with no desire to resolve my case. XXXX now swithced to Reliant Capital Solutions from Ohio with no intent to validate debt or settle my case.

I have a document showing XXXX refused to discuss and settle and very unreasonable and not working in good faith. Reliant must not allow XXXX to use them to entertain their goal of inflicting pain with no intent to resolve my case.

Highlight of issue : First, the SOL is over. The correct venue for this case in in NH as per XXXX XXXX  own ask for arbition rights. They can not have it both ways and now flip to my state casue they do not like NH 's. The claim dates back toXX/XX/XXXX.

Reliant Capital Solutions called onXX/XX/XXXX at XXXX XXXX VIA called ID XXXX  from XXXX, Alabama. XXXX XXXX   asked for XXXX XXXX. I asked who was calling. He stated, " My name is XXXX  from with XXXX  representing XXXX You owe {$2400.00}, and I need to confirm some information. '' He never told me he was attempting to collect a debt, I was being recorded, or anything used can be used.

I thought representation was an arbitration company from XXXX given a very long dispute over XXXX XXXX  claim and services of collector XXXX XXXX XXXX all many years. I stated, " the debt is not valid. I do not owe them any money. I explained my story because I was not aware he was from a collection agency until I was talking to him. Then, the phone number I called to call back was their main line in Ohio, yet the caller 's phone was from a different state and city. In the end, the caller was reached via their corporate number but he tricked me using a noncompany number.

After he listened, He directed me to call XXXX to validate the debt, so XXXX  referred me back to them all within the hour ( the two were working together ).

I was provided a reliant supervisor E-mail to contact as I offered to settle the case for less than their claimed amount of {$2400.00}. No response yet.

XXXX XXXX XXXX is using abusive tactics via collection agencies, and the collection agencies are consistently not being held accountable for violations of the law. Therefore, I exercise my right for legal action and fines again present, former collection agencies in this case and now XXXX  who knows abuse the abuse and letting the collection take to blame for violations of the law. The tactics of this agency, the others, and XXXX  is intended to inflict harm as long as possible with NOT intent to close this out. I offered to settle multiple times, yet they keep saying they my credit report will be impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wanted to upload a PDF file to Santander, but there is no option for that on Santader.com website that I could find, so in order to deliver the file to Santander I am using this portal.

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 2020-11-14
Company: EQUIFAX, INC.
State: AL
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 HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXXXX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Monterey Financial Services LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor Information MONTEREY COLL SVC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I obtained a current copy of my credit report from all 3 credit bureaus XXXX, XXXX, and XXXX. I learned that XXXX XXXX XXXX XXXX had reported a balance of {$5700.00}. I previously received a phone call from several months ago and and they stated I owed a balance. At that time I requested documentation in the form of a itemized billing statement and all notes associated with this debt they stated I owe. XXXX XXXX XXXX XXXX never complied with the request so, I figured it was a bogus attempt and the they wouldn't contact me again and they did not. I received nothing from them. Approximately 1 year later see this debt has been reported to the credit bureaus. I have disputed this debt with all 3 credit bureaus and this info remains on my credit report. Also, I contacted Capital Accounts ( who reported the debt ) and requested verification of this debt in the form of an itemized billing statement and their reply was they do not have one on file for this account. They continue to report this erroneous information inspite of not having any valid proof and have ignored my request for documentation as well as my request to remove this item from my credit profile. I am entitled to by law to receive proof of this debt within a timely matter and I have yet to receive a billing statement with the lawful time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Related to request XXXX that I submitted on XXXX XXXX 2021 and Binance.US didnt bother to answer. 

On XXXX  XXXX I initiated deposit of {$5000.00} that FAILED according to notification from Binance.US mobile application. 
But my bank transferred {$5000.00} to Binance.US on XX/XX/XXXX and the money are not in my BInance.US account! 

Now because Binance.US never bothered to answer and solve this issue I called my bank and asked to get my money back. 
And now Binance.US froze my account, threatened to sell my assets and requesting to deposit {$5000.00} because of chargeback of money you DO receive according to XXXX  XXXX XXXX data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2018-04-02
Company: Experian Information Solutions Inc.
State: HI
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:
After looking through my credit report, I had sent over information in regards to getting my credit report fixed as there were a number of inaccuracies. 

I have a very common name and when I asked for verification of the debts from the bureaus none gave me the information ive requested. I specifically asked for the names of the people that verified these debts with and they have never given me that information or responded. This has almost irreparably harmed my ability to apply or receive any loans and veteran benefits like a VA Home loan that will allow me to provide a roof over my families head. 

These companies have had all types of security issues among other issues and this continously affects others that rely on these services I just want some resolultion and I need to get these issues solved.

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 2020-05-12
Company: Synergetic Communication Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Ill be contacting the FBI. Yesterday I received a letter from a collection agency Synergetic communication, inc stating that I owe {$1100.00} to XXXX XXXX for a debt originally belonging to XXXX. I do not owe any money to any source for any reason ... I have absolutely perfect credit and zero outstanding debt anywhere. I see nothing on my credit reports regarding this debt. I have absolutely no negative information on my reports. Out of the blue I received this strange letter offering To settle the debt for {$290.00} and Im told I have until XX/XX/20 to send payment. I never heard of this company and theres vague information in this letter regarding this mysterious debt. I searched online and this company seems like they are scamming a lot of people. The better business bureau pages are filled with complaints. I do not owe any money to anyone. I am not responsible for this debt and I find it alarming how all these companies have very little info on websites. All they have on website is a credit payment option and nothing regarding the bill I am being asked to pay. This is clearly a scam and I think these people need to be shut down fast. I know my right and this debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: JPMORGAN CHASE & CO.
State: NY
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 customer service

Complaint:
my account had identity theft and chase XXXX closed yhe account and sent it to collections with notifing me of there action or the out come of the identitiy theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.

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 2021-05-04
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Re Hyundai Finance. I returned my lease car at end of lease. I was given the final amount owed to complete the lease end. I paid {$1300.00} by credit card XX/XX/2020. Later I was informed by letter an adjustment was made to my account and created a refund due me in the amount of {$650.00}. 

I have called Hyundai Finance 8 times to obtain my refund. The customer service agrees Im owed a refund but its handled by payment processing department. However each time Im told they cant transfer me to that department and had no phone number to reach the department. Further they deny request to speak with a supervisor stating Supervisors dont take calls. 

Can you help me get the money owed to me? I appreciate your help, thank you 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 2020-08-23
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: PENTAGON FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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