BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I got into a contract dispute with XXXX XXXX. XXXX broke our contract based on XXXX issues. I rightfully terminated our former agreement for non-performance. Thereafter, XXXX tried to use debt collection agencies to enforce early contract termination fees. Debt is defined as a promise of future payment owed for goods and/or services rendered. 

Early termination fees of a contract agreement rightfully discontinue is a contract dispute not debt for services or goods provided. This is a civil matter not a collection matter. There is no court order. XXXX XXXX is trying to use the debt collection process as a means of extortion rather than hiring an attorney and taking the matter to court which is their legal right and where the issue belongs. I believe they are using this method because they understand they have no legal position. 

Thereafter XXXX XXXX hires a collection agency. The collection agency writes me notice I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. Again, I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. This goes on 6 times. I have attached all correspondence and proof of delivery to each. 

It appears in the middle of this process XXXX XXXX increase the amount owed and changes the account number. Finally XXXX XXXX finds a collection agency that sends no notification " Allied Interstate ''. The agency immediately reports I owe {$410.00} ( and some change ) to XXXX XXXX and gives this information to credit rating XXXX and XXXX. I write a letter to Allied Interstate claiming I was never sent a notification and could they please send me a copy. They do not reply. I write back stating to please send the original notification and I further tell them that I will be requesting XXXX and XXXX the remove this from my record and verify any alleged debt. This would remove any plausible deniability on Allied 's part. Both XXXX and XXXX do so. Thereafter I write to Allied demanding they remove this claim from my credit record telling them, what they have done is illegal ( since no notification was sent and I will report them if they do not ). See all correspondence attached and proof of delivery. 

As of date this issue still remains on my credit record.

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 2017-01-23
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX our home flooded. In XXXX the insurance released a cash advance of {$20000.00} Wells Fargo endorsed the check and we were able to start the clean up process. When the remainer of the balance was sent to us Wells Fargo stated we needed a contractor and would not release more funds unless we completed the house to 50 % and passed approval. On XXXX/XXXX/XXXX Wells Fargo sent out their inspector and approved us for being 50 % completed. Now Wells Fargo will not release XXXX of the remaining balance.

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 2022-04-19
Company: EQUIFAX, INC.
State: MO
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 THESE COMPANIES have violated my rights : 15USC 1681 Sect 602a states I have the right to privacy. & 15 USC 1681 sect 604a Sect 2 also states a consumer reporting agency can not furnish a account without MY written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2017-02-26
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am very sick and have had a difficult time making my payments. Wen I did try to enroll in an income based repayment plan, they gave me wrong information and forced me to catch up on my payments in order to get into a repayment program. The woman I talked to said Navient will not allow entrance into the program when the loans are in default. So i scraped up the money literally while she was on the phone getting family assistance, around {$650.00}, and caught up my payments. She then did a review of my finances and told me my monthly payments were around {$350.00}. I explained that we could never maintain that amount because I am not working and my treatment is expensive. She said there was nothing she could do. At my persistence she spoke with her supervisor who agreed with the representative. 
She stated that they could do a review of my cosigners to see if that could lower my payments. I wanted to do this. She said I had a month to have them call in and to not let my loan default, otherwise I would still be denied for income based repayment. After two weeks, my cosigners had called in- so I called Navient back to discuss my options. The man I spoke with said that because my loan WAS N'T in default, I could not be placed in an income based program. I almost lost my mind. I told him what the representative before him had said. He said she gave false information and that I had to call back once the loan defaulted. So some of the {$650.00} I scraped together could have been used for my medical treatment, but instead was given to Navient. 
I am also one of the people they insisted on putting into forbearance instead of a payment plan- now I am out of forbearance when I need it most. 
They have also given me false information about when programs I am in have ended. So I thought I was in a program for a year, but it ran out without my knowledge after a few months- thus causing the first situation I described. 
I have had nothing but problems with Navient for 9 years. I have tons of stories, been given wrong information a dozen times, paid money to even put my loans into forbearance because that was cheaper than the payment, and they absolutely set up people to fail. 
I admit, I should have educated myself better before taking out private loans, but at the time, they were eligible for fixed interest consolidation, so I was n't very worried. 
Now I am sick, on long term XXXX from my job and filing for Social Security XXXX, and I have NO IDEA, what to do with these loan payments. We absolutely can not afford them and neither can my cosigners. One of which is my mother and she is helping me pay for my treatment! 
I have no idea what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: TN
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 sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 protection consumer rights to privacy and confidentiality under 15U.S.C .1681 ... the accounts below has violated my rights. 15 U.S.C. section 602a state i have the right to privacy ... ..15 U.S.C 1681 1681c ( a ) ( 5 ) Section states : NO consumer reporting containing any of the following items of information any other adverse item of information, other than records of CONVICTIONS of crimes which antedates the reporter by more than 7 years. 15 U.S.C. 16811s-2 ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
Company: Experian Information Solutions Inc.
State: NC
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 the accordance with the fair credit reporting act XXXX  account # XXXX, has violated rights. 
15 U.s.c 1681 section 602a 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. XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # 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 2022-04-19
Company: BAM Management US Holdings Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Binance XXXX XXXX exchange changed their privacy policy ( required to agree to sharing of biometric data with 3rd party affiliates ) and will not allow me to access my account unless I agree. I was not provided prior notice or warning of the change or allowed the opportunity to withdraw my funds if I do not agree to this change. Below is the prompt requiring consent in order to access my funds. 


" BAM Trading - Biometric In-Product Consent for End-Users Changes to our Terms of Use take effect on XX/XX/2022 By agreeing below, you allow BAM Trading Services, Inc. and its related companies and affiliates ( BAM, we, or us ) to collect , via a third-party service provider that provides the biometric technology, a photograph and/or short video of your face and a copy of your government-issued identification card ( ID card ) to create a scan of your facial geometry ( Biometric Data ). 
We use this Biometric Data to verify your identity for security purposes, by comparing the image you provide with your image in your ID card. This allows us to make sure that you are the same person as shown on your ID card and that your ID card is legitimate. We may share Biometric Data with third-party service providers who assist with our IT, security, and fraud programs, our professional advisors, in a business transfer such as a merger or acquisition, and as required by law or regulation. 
For more information on how we use, share, and retain Biometric Data, please review our Privacy Policy.

If you do not agree, you will not be able to use the BAM app and platform.

I agree to allow BAM to collect and share my Biometric Data for the purposes described above. I acknowledge that my agreement to this form constitutes my written consent to the collection and sharing of Biometric Data as described in this form. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX, XXXX, CT, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2016-01-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a 0 % interest promotion with Best Buy for 18 months. It was explained to me that after 18 months, if the balance was not paid off I would start paying interest. It sounded like any normal credit card to me. It was NOT made clear that the interest would be charged on the entire original purchase at the end of 18 months. As such, I had gotten my balance from almost $ XXXX down to {$170.00} by the end of the XXXX month, and as it was XXXX time, I decided to pay the remaining balance off next month, as I had other purchases to make for the holidays ( in other stores ). I did not think it would be a big deal to wait to pay the last amount next month. Next thing I know I get hit with an interest charge just over {$400.00} on my Best Buy Card. They had sent out a notice before the final payment stating they were going to charge me interest, but did n't state how much or explain that it was interest on the entire original purchase. I had only made that XXXX purchase on the best buy card. I had not been delinquent in my payments in any way. What is the worst part is that I could have paid off the remaining {$170.00} at the time, but I was unaware of the severity of the impending interest charge, and chose to make other things a priority. Had I known I would not be in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Early Warning Services, LLC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 a scammer disguised as an interested buyer on XXXX marketplace became interested in the product and he said he can only use Zelle to transfer money to buy the product. He pretended to send the money, sent a fake screenshot of the transfer, and then sent a series of fraudulent emails replicating a real bank Zelle email. The first email stated : " We have a problem crediting your funds {$300.00} because the account status is not a business user which makes your account have limits. 

This amount seems to be above your limits so you have to take this urgent step to expand your limit To fully expand your account into a business account, contact the buyer of your item to send in an additional payment of {$300.00} into your Zelle account to expand your limit. Soon as this is done, we will credit your account with the total sum of {$600.00} and free {$50.00} bonus from Zelle user administration. '' The second email stated : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on.

For your account to be credited fully with the sum of {$650.00} USD. You are required to contact the sender to refund back the sum of {$300.00} USD so as to secure the additional payment sent to expand your account. 

Below Is The Instructions : Contact the sender for information to refund back the {$300.00} USD Take a picture of the {$300.00} USD payment and reply to this email. 
Instant {$650.00} USD into your Zelle account. " Additional emails were sent by the fraudulent bank emails to send additional money. At this point, I finally realized this was a scam but still ended up losing {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 a account without my written instructions

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 2016-03-08
Company: ZARVAD III S.A.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I sent the loan company a letter requesting them to revoke my ACH debit authorization based on my consumer rights. In addition, I asked that no phone calls be placed to my place a work or business. The days I sent the letter via email I received a call from a private number to my work and personal cell. A lady by the name of XXXX, told me that she would not honor the letter I sent asking to revoke my ACH debit authorization. She begin to harass me and became very unprofessional. I researched the company and found out they do not have a CA state business license and their fees for the loan was not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 DPT ED/XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX 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 2015-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Chase has finally approved a Short Sales, offer on my home. they also will provide me with a $ XXXX relocation allowance ( $ XXXX is the maximum HAFFA will allow ). Now I owe the IRS some back taxes. The IRS want to take my $ XXXX moving allowance to satisfy my tax liability. 
But I need this $ XXXX to move rent a house, and secure employment, without it I become a homeless statistic. 
Please convince the IRS that I do not profit from this relocation allowance, and although it sounds like a lot, it really is not. Please convince the IRS, to allow me to keep this, and it is in there best interest, as once I am able to establish full-time employment, that I will at that point, will be able to set up a payment plan to repay, what I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2017 an account was open up in my name with Santander ... and the account was used for my ex to get an auto loan but it was charge off in my name .. I barely make XXXX  yearly because I get ssi for my son this debt cost way more than I make and I never had the vehicle in my possession ... please help me by doing a one time deletion on this debt ...

Company response to consumer: Closed with non-monetary relief