BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: Terrill Outsourcing Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the superlative RM in XXXX XXXX, keep calling and text me about debt I do not owns them, after I blocked them they keep text me, want me to called them. the number they try to call me XXXX, when I log on to my SSI I acount, it shows on there I do not have open account that is collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Monterey Financial Services LLC
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was recently contacted by Monterey Collections via US Mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for lab work that was performed on XXXX/XXXX/XXXX. As explained by my physician at the time, and clearly printed on their brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk '' and further states, " if your insurance company sends a check directly to you, rather than XXXX XXXX, please sign the back of the check, write 'Pay to the order of XXXX, XXXX XXXX ' and forward the check along with the XXXX to XXXX, XXXX ''. I have sent via certified mail copies of the XXXX from XXXX XXXX XXXX and spoken with the a representative of XXXX who states the check for payment of {$680.00} on approved charges was issued on XXXX/XXXX/XXXX and cashed by the 'provider '. 

I have now received an alert from the company who monitors my personal and financial information against fraud and identity theft, XXXX, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I made XXXX attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left messages requesting they contact me to discuss this debt. After no response from them I have mailed them a certified letter and enclosed copies of all the the information listed above. 

I have excellent credit and have worked very hard to achieve this. I am retired and proud to say that I do not have any debt. I do not feel that it is fair that I may have to hire an attorney to resolve this matter when I feel it is a clear example of consumer harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: LTD Financial Services, L.P.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by XXXX XXXX from LTD Financial Services regarding a debt with XXXX XXXX Credit Card in the amount of {$440.00} and that they had contacted me in XXXX. When I requested the name of the young woman calling she informed me that she was not my representative but gave me her name which I immediately asked her to spell for me. As I asked her to repeat each detail, she was not happy. When I had all the information she had given me, I repeated that she said they had contacted me in XXXX and she hung up on me. I remember the call from XXXX and I refused to give her any bank or debit card information. I agreed that I could make a payment of {$10.00} - {$20.00} a month as I had become ill and had medical/medication payments which were my priority. She refused to accept payments of this amount and in the form of a check from my bank each month and told me they would contact me again after the first of the year to see if my situation had changed. It has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I was trying to send money online through moneygram and for some reason they blocked my account so i called their customer service number and somebody answered me in a foreign country he told me i ca n't use the service online anymore i have to go to a moneygram location i asked him to explain to me why he was rude and then he got me upset we got in argument he start calling me names and he wants to XXXX my wife and my mother and sister and that i ca n't speak English and he wants to get me deported because i dont have an American accent so he assumed that i am not a citizen of this country i am very tired and angry of these company using unprofessional people to Handel their business i will never use moneygram anymore and i feel nobody else should have to experience what I went through with this person what a Mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Just received BofAs response of XX/XX/XXXX to my CFPB complaint which is filled with half truths. At the beginning if the pandemic in XX/XX/XXXX I was told I could defer my mortgage payments and they would be tacked on to the end of mortgage loan. Not true. I was supposed to pay in a lump sum which I did to avoid confusion and BofA twisting of the facts. 

There was an error on my billpay ON ONE MORTGAGE PAYMENT in XX/XX/XXXX which I took care of immediately. They claim I was in default for two weeks. LIES. It was a bank error ONE MONTH and it was immediately corrected.

Bank of America may be trying to appear woke but its a predatory agency. And they LIE. This correspondence is testimony. 

So what that XXXX XXXX  XXXX XXXX  reduced my loan balance back in XXXX. Despite my industry professional experience, I was a XXXX returning grad student in film XXXX to teach at the university setting and was making a portfolio film at that time with great sacrifice. I have awarded films six! Plus my prior awarded TV credits dating back years. Im a member of the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX ( XXXX  ). 

All I wanted was a refi. Ive lived here for forty years and have a XXXX  score of XXXX. 

The bank discriminates and lies!!!

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Not my accounts reporting

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 2022-03-19
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Hello, I was taken advantage due to malpractice while several laws were broken under the FCRA by your company. This has caused me major financial injury and this has caused defamation of character. I have lose out on job opportunities, can not apply for credit, and I even can not apply or qualify for a SBA loan due to the pandemic. Under this crisis you have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: HireRight Solutions, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had a background check through hireright and they said there was a misdemeanor back in XX/XX/2000 in XXXX XXXX. I never lived in XXXX XXXX. my idenitiy has been used and I never gave permission. I am demanding that inaccurate information is removed. It is illegal to put information on my report without my permission and this is ruining my reputation. I only lived in three states.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Home improvement loan XXXX. 
I have signed loan for zero % when I saw statements it showed 6.99 %. So I stop payment and call my windows installer company XXXX in XXXX. They agreed to cancel the loan. I get approved the new loan # XXXX, same company Mosaic.phone # XXXX Now they are sending collections notices. That it is a 2nd loan. Which is not true. Trying ruining my credit. The loan already canceled. 
Please help me. Collection company name is XXXX XXXX XXXX XXXX XXXX AZ XXXX Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19
Company: Clarity Services
State: CA
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:
Good Afternoon, I contacted clarity services after receiving an alert on my credit file of an inquiry. After contacting company I explained to company Ive been a victim of identity theft since XX/XX/2007. 

Ive had numerous bank accounts, housing and credit opened on my name. Clarity services provided me a credit file that had incorrect information listed - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Ive disputed XXXX XXXX - debt collector for XXXX XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX  sent documentation to be removed from credit file/ all other credit Bureaus have complied with removal however XXXX  and Clarity Services has not removed XXXX or XXXX  XXXX XXXX which is the collection agency for XXXX. 

Attached is the letter from XXXX XXXX XXXX  for removal. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX   are fraudulently opened accounts. To open account in my name company must ask identifying questions and contact me via phone. I never received a phone call from any of these companies. 

Attached are copies of police reports from XX/XX/2007- now. Also attached is my -fraud Alert on my credit file. 
- report verification from clarity services. 
- letter sent of most recent attempt from clarity services. 

I have done my due diligence in contacting CFPB, FTC filing Police Reports, Registering on all major credit bureaus as an Identity Theft victim. This has been a nightmare. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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: Information belongs to someone else

Complaint:
I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.

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 2016-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is a follow-up to case numbers XXXX and then XXXX. Chase has been holding funds for a check for {$3500.00} in a suspense account since XX/XX/XXXX. Based on response from XXXX, in which Chase suggested that " You and the maker of the check can visit one of our branches with two forms of valid ID to verify issuance of the check '' ( which was repeated to me on the phone, and at visits to Chase branches, and seems absurd, and is the basis of case number XXXX ), I took the day off from work on XX/XX/2016 and traveled an hour and a half each way by subway and the XXXX to XXXX, NY ( copy of XXXX ticket attached, and phone conversation with Chase fraud department from XXXX branch on record ), to meet the maker of the check and we proceeded to the nearby Chase branch in XXXX. We both presented out identification to a manager, as requested, and of course signature on maker 's ID matched signature on check canceled check that maker had brought along, along with his statement from XXXX showing check had been paid to Chase back in XXXX. The manager called Chase fraud department ( Chase 's term for this department is " executive offices '' ). Nevertheless, this department refused to release the funds. 

I missed an entire day of work, on top of the countless hours spent on the phone and visiting Chase branches ( on XXXX where check was originally deposited to my account with a teller, and downtown where I work ) in the weeks and months following the initial deposit. 

Not only is Chase still holding the funds, they continue to refuse to let me know the basis of the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My account with Coinbase was drained of all its money.I reached out to them several times but they keep stonewalling me.The first case number I opened with them was Case # XXXX which was not resolved and they decided to close it.The next case number I opened with them is Case # XXXX.Apart from acknowleging and giving it a case number nothing is being done.I cant reach them by phone.Only Email and they are not responding with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
All inquiries from XX/XX/XXXX through XX/XX/XXXX need to be deleted they were made by an unknown person that obtained my personal information Attached : Police report IDTheft Affidavit SSCard copy DL copy

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 2020-03-19
Company: Experian Information Solutions Inc.
State: NY
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:
Experian as of XX/XX/XXXX, still reports Unverifiable, inaccurate and multiple fcra violations on account : XXXX and XXXX XXXX. 

: Account is in violation for not reporting last date of payment. 

: Account was last updated in XXXX of XXXX even though I dispute this account back in XXXX of XXXX, a violation : Account currently doesn't report last date of activity as required by law a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I am a victim of Identity theft on or about XX/XX/2016 the above mentioned company did a fraudulent hard inquire to my credit report on Equifax. After learning about this unauthorized fraudulent transaction I placed a warning and then a freeze to my credit file. I contacted speedy cash on two times in which they refuse to remove this hard inquire to my credit report thus impacting my credit rating. I have also asked for all the information that is attached to this fraudulent account in which they also refused. This refusal is a direct violation of my civil rights under the Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) section 609 sub-section ( e ) in which it states Who must comply with Section 609 ( e ) of the FCRA? 
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another person 's identification. For example, if your business opened a cell phone account in the victim 's name or extended credit to someone misusing the victim 's identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victim 's behalf. 

Q. What documents must my business provide? 
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief. 
They will not comply with Federal Laws and Refuse to remove this Hard inquire from my credit report. I had a total of XXXX hard inquiries to my report and I had removed 27 of them without any problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
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 have attempted to request my credit report from Equifax, as is my lawful right. First, the webpage only offers pay for service subscriptions, without any notification that the consumer is entitled to receive their report from Equifax for free. The place to request your report is well hidden behind multiple walls. 
Then you are required to join their myequifax and consent to illegal terms and conditions for requesting a report. I attempted to call their customer service during their stated normal business hours, and was given an option to purchase the paid subscription or request my report online. After several menus and just holding and not pressing an option, I was told I was being put through to a representative. After a long hold time, I was informed I would have to call back during normal business hours. My call was already during their normal business hours. 
Equifax has committed multiple violations of the FCRA including, but not limited to the following : 612. Charges for certain disclosures [ 15 U.S.C. 1681j ] ( g ) ( 1 ) Failure to include the AnnualCreditReport.com pursuant to section 205 ( b ) of the Credit CARD Act of 2009 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] 610 ( a ) ( 1 ) [ 1681h ], Every consumer reporting agency shall, upon request, and subject to clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request Bureau Summary of Rights Required ( A ) In general. The Bureau shall prepare a model summary of the rights of consumers under this title.

( B ) Content of summary. The summary of rights prepared under subparagraph ( A ) shall include a description of ( i ) the right of a consumer to obtain a copy of a consumer report under subsection ( a ) from each consumer reporting agency ; ( ii ) the frequency and circumstances under which a consumer is entitled to receive a consumer report without charge under section 612 ; ( iii ) the right of a consumer to dispute information in the file of the consumer under section 611 ; ( iv ) the right of a consumer to obtain a credit score from a consumer reporting agency, and a description of how to obtain a credit score ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Emerald AR Systems, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted emerald Ar Systems inc around  XXXX  regarding the balance of  XXXX . I asked them to negotiate this amount based on a affordable settlement offer. This collection agency failed to renotify me of this debt and also failed to come up with a settlement offer based on the fact i do have a pre existing condition that needs further treatment for the rest of my life based on a accident i had back in the year of  XXXX . No one contacted me by mail or by phone regarding this account. I did my part by contacting them and trying to negotiate this matter so it was affordable and paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX last year, I had requested for balance transfer {$1700.00} from XXXX CARDS ( Card Services ) to COMENITY -Total Rewards Visa Card as you will see at the attachment FCC XXXX ( XXXX ). But it does not go through until now. I did contact Customer Services at XXXX CARDS ( Card Services ), and they told me that they never receive any check with the amount {$1700.00} from COMENITY-Total Rewards Visa Card as attachments FCC 001 ( XXXX TO XXXX ) from XX/XX/XXXX to XX/XX/XXXX. I did contact Customer Services at COMENITY-Total Rewards Visa Card at XXXX, and talked to a lot of persons, such as : XXXX, she is Supervisor of Resolution Dept., and her ID # XXXX on XX/XX/XXXX at XXXX PM ( PST ). Next, XXXX, her ID # XXXX at Customer Care Dept. on XX/XX/XXXX at XXXX ( XXXX ). Last, XXXX, her ID # XXXX, she is the Account Manager on XX/XX/XXXX at XXXX ( XXXX ) .Both of them understood the problem, and they told me that they will ask Customer Care Team to dispute or stop the amount {$1700.00}, and credit back to my account plus {$17.00} for transaction fee, total amount should be credited back to my account is {$1700.00}. But this person, XXXX, who is XXXX Representative at Customer Care Team did not understand, or did not want to credit back to my account, he sent me a lot of letter, and tried to confuse me by linking to other amount as you will see at the attachment FCC 001 ( 5 ). I did not ask them to dispute or stop {$1700.00} to XXXX as attachment FCC 001 ( 6 ). The corrected remaining balance should be {$1500.00} after crediting {$1700.00} plus {$99.00} ( XXXX payments from XX/XX/XXXX to XX/XX/XXXX ). It is not {$3400.00} as attachment FCC 001 ( 7 ). I am very frustrated about this COMENITY-Total Rewards Visa Card. Please help to me solve this matter. 

Regards, XXXX

Company response to consumer: Closed with monetary relief