BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, The Law offices of Mitchell D. Bluhm & Associates , LLC XXXX XXXX XXXX XXXX mailed a debt collection notice, acting on behalf of a debt collector/ attorney, to my residence without my permission. Not only did they mail a debt collection letter to my residence without MY permission, they also claim that I owe them a debt of XXXX. I have never done business with this company, nor was I, the consumer, aware of a 3rd party purchasing information in my name and not compensating me or providing me receipts of that transaction. I do not nor have I ever initiated any consumer credit transaction with this company to owe them a dime. I have no contract with the collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Hello, My name is XXXX XXXX and I have been a Santander customers since 2012. However, XXXX different customer service associates have been talking rude to me and trying to look into my credit. On XX/XX/XXXX, one customer service decided to pull on my credit over 5 times without my knowledge. However, my credit bureau told me that they pulled on my credit without my knowledge nor permission. In addition, a rude customer service associate called a week after pulling my credit and demand that I paid my car loan early. I would like Santander to explain is the meaning of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Hammerman & Hultgren, P.C.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF HAMMERMANN & HULTGREN P.C. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Med-1 Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This is the XXXX company that has done this. Both were collecting for XXXX. 
I answered the phone, said that I was myself and the caller asked me for my date of birth. She called me. Her caller ID did n't say Med-1, even if it did that 's no guarantee. I have no idea if Med-1 is legitimate, only that I get statements from them purporting to be collecting for XXXX. I get many collection contacts for XXXX, I have no way of knowing if any are legitimate. 
It is completely inappropriate for a debt collector to request my personal information and opens the door for multitudes of phishing scams if it is legal. I suspect this is not allowed but I am not sure. It should be illegal for a bona fide debt collector to request any of my personal information. 

The caller called at approximately XXXX Central time to my Louisiana number. Date XX/XX/2016. She called from XXXX saying they were from MED-1 Solutions. 
Thank you. 
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 2022-10-30
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am concerned about how Credit Karma does their reporting with credit information/score. I want yo know how Credit Karma got these scores that they are reporting on my credit report vs the XXXX XXXX credit reporting from all XXXX XXXX XXXX. Also, I have tried to dispute to some information on Credit Karma, but I am not able too, due to error message states that I can not dispute over the XXXX so therefore, I will need to call each Credit Bureau Companies to dispute information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Collection Management Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was the victim of fraud by scammer and my bank XXXX XXXX XXXX XXXX XXXX ) is expecting me to pay the money back. They have terminated my account and sent a dept collection agency after me and thee agency is threating to come after me if i don't the may the amount of {$8500.00} saying i owe my bank this money. They claim to have made multiple attempts to contact be but i never received any of them. The first and only letter i received was in XXXX they said i have till XXXX first to contact them or they will assume all their information is correct. But at the same time all attempts I've made to contact them have failed the phone number they gave to to contact doesn't work i get left of hold for hours and i dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had two free checking accounts with First Citizens Bank for several years. In XXXX, they began charging a {$18.00} fee to the two accounts. I am requesting a refund of the XXXX {$18.00} fees and no additional fees for free checking accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, at XXXX XXXX  XXXX I received a text alert from Chime Bank that a withdrawal in the amount of {$220.00} was taken from my account from an ATM 5 miles away. Needless to say, I was quite surprised as my ATM card was in my wallet on my person at work, 5 miles away from the ATM. I immediately called Chime to alert them of the unauthorized withdrawal. I also filed a police report with the XXXX police department, and emailed a copy of that to Chime. 

It is now XX/XX/XXXX, and Chime has yet to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone opened at Macy 's credit card in my name and I've never shopped at Macy 's in my life. I received a letter in the mail saying I had a balance to pay. When I called Macy 's today, they told me to submit a claim on this website. 

I would like this to go away and not affect my credit score.

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 2022-10-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase sent me a letter dated XX/XX/19 saying they're closing all of my accounts, without giving me a reason, after absolutely no wrong doing on my part. 

They're telling me I need to close the checking and savings as well as the credit cards but somehow the brokerage accounts are ok? I need an answer as to why they're creating this storm for me. There is nothing at all fraudulent about my life I've been a full time employee of companies my entire career.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 I noticed on my online checking account a debit of XXXX I from an unauthorized source. I called the bank since it was pending debit and was told that they would file a claim to have it removed. My husband notified the company because it was a charge from a previous contract and had it cancelled. He provided the bank with the cancellation number. 
The customer service rep took the information and credited our account. 
When I checked my account the next day XX/XX/XXXX, the amount had been debited again causing an overdraft, and there was no record of the pre- vious debit or credit from the night before. I called the bank again, and the customer service rep transferred the call to the claims dept, and there wa no record of what had transpired, and I was told that we had to wait 15 days to see the money credited again. I asked for a manager, and was put on hold and then told I had to call back tomorrow. I asked for the address to write to the dept manager, and was told that they were in XXXX .... My concern is that there was no record of what transpired the day before, and this is a large financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Good Day, My student loan was recently transferred to Mohela from XXXX. 

I became unemployed XX/XX/XXXX and submitted proof for a financial deferment to be back dated to that date. ( Unemployment insurance document submitted ) Due to the pandemic and having more pressing matters, I was only able to contact Mohela after this transfer from XXXX had taken place. 

For 4 months, I have tried to get someone on the phone. If a customer has to call XXXX on different days and times and is not successful, there is obviously a problem at Mohela with customer service. 

I submitted my deferment online and it was denied without explanation other than 'out of time frame '. It is common sense to know this may be the case given the times we are living. Previous loan servicers have backdated with no issues. If Mohela will not answer phones, how is a customer supposed to take care of business with their student loans? I do not understand the correspondence being sent back to me and need a human touch instead of robot answers. 

Lastly, I am writing because I also called for information about my PSLF application and do not trust that it was submitted due to not being able to talk to a human to confirm. I could not get questions answered BEFORE I submitted so I could submit things properly. My account says it was submitted but my situation is complicated. The IRS states no transcripts are given past 10 years unless we submit special forms that could take 6 months to receive a reply and my employer closed. Given I worked for 3 different non-profits, I had to submit 3 different applications, not knowing what to do because Mohela never answers phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 {$11000.00} I formally asked the company to validate all tradeline listing they have submitted to all three credit bureaus, by LVNV FUNDING. 
Due to possible inaccuracies in these credit reports, I demand validation in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX-2020, I personally mailed a letter in regard to inaccurate and unknown information on my credit report directly related to the Equifax data breach. It's been almost 60 days and I've yet to receive a response. I feel taken advantage of and dismissed by this lack of respect and consideration. Section 611 ( a ) clearly states that failure to investigate these items within 30 days is grounds for immediate removal. I demand a swift and prompt removal of all accounts disputed or I'll be forced to file litigation against all parties. Thank you kindly in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, 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 HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XX/XX/2021 I disputed these student loan account. They came back as I COSIGNED them. As a COSIGNER it means I signed a document. It means my SIGNATURE is on the original document. Unless they have proofs of my signature which is impossible since I never co-signed any student loan, I want these accounts to be removed from my credit report.

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 2022-10-30
Company: Northstar Location Services, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter was sent from a company that does not exist. Attempted to collect debt from a credit card I never had just so they get my info and steal my number. 
Northstar location services is a scam. Ive never had a XXXX XXXX that I owe money on. The letter was fake as is the company. People online have received similar letters and have commented on it as a scam also. The local address does not have record of the business existing there. Yet the financial service department is in New York. XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: AFNI 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: Account information incorrect

Complaint:
Notarized Affidavit of Truth was sent via postal mail along with certified receipt to AFNI INC along with Exhibits stating violations per USC 1692d ( 1 ). AFNI INC is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
Notarized Affidavit of Truth was sent via postal mail along with certified receipt to SANTANDER CONSUMER USA along with Exhibits stating violations per USC 1692d ( 1 ). SANTANDER CONSUMER USA is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.

Company response to consumer: Closed with explanation