BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone hacked me and theft my identity and used my information and stole {$20000.00} from my bank account by XXXX binance I reported it to my bank on XXXX XX/XX/2021 And made claim after 10days XXXX XXXX XXXX  told me you must contact with binance Now I tried to login binance to recover my funds but XXXX binance account is disabled and I lost my money Please assist me to recover my funds. 
My support ticket number is XXXX and XXXX There is no XXXX binance customer to respond me and solve my issue. 
My name is XXXX XXXX My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Lendmark Financial Services
State: WA
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 have recently viewed my credit report online, and discovered that on XX/XX/XXXX of 2021, Lendmark Financial Services XXXX, has caused a drop in my credit score by running a hard inquiry on my credit report. I have no business dealings with this entity and have not had dealings with them in the past. I did not give them permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Im not sure how to categorize my complaint I chose the best option. This one alleged debt of reporting twice on many consumer reports looking as two alleged debts. I have tried to dispute this information several times. I have asked for validation of this account more than once and have not gotten any validation information proving this debt belongs to me. As a federally protected consumer they are violating my rights and violating the laws under the FCRA. Why would this one alleged best be reporting more than once on my consumer reports? They are damaging my reputation and inaccurately reporting information about me. 
For years they have been reporting this alleged debt for years and it is causing harm to me as a consumer as well as violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt in question was for medical services received by my ex-wife. Bills mailed to my address were sent in her name, so I did n't open, were forwarded to her new address, and were never paid by her. Now, the debt has been reported to a collection agency under my name, which the collection says is legal because the debt is for medical services my ex-wife received while were were married/separated. I was never billed by the office where services were received, and only learned of the debt after it went to collections. When I called the medical office to request information on the debt, HIPPA laws prevented them from being able to share any information, including the date of services received ( which makes it hard to dispute whether or not services were even received before the divorce was final ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted over a year to have information on my Equifax Credit Bureau and everytime I dispute they say it is a factual record and belongs to me. I have submitted police report Identity Theft information and still they wo n't remove it. It has been removed from the other XXXX credit reporting agencies, but Equifax refuses. When i ask ow the investigated was determined or show me the documentation they have that this belongs me they can not. The information of the credit cards XXXX is not even my address it is out of state address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
MY HOME IS IN FORECLOSURE AND I AM IN THE TRIAL MAKING PAYMENTS I BEEN SAID OVER THE PHONE THAT THIS IS NOT ACTUAL INFORMATION BUT I STIL IN FORECLOSURE ( DUAL TRACK ) THE SERVICING COMPANY IS TAKING THE PAYMENTS ( 2 ) AND I DO NOT UNDERSTAND THEIR PROCEODURES BECAUSE THEY SAID WHAT I SEE IN THE INTERNET IS NOT REAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.

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 2021-10-02
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
YOUR COMPLAINT I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency FIRST FEDERAL CREDIT CONTROL Original Creditor Name XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact FIRST FEDERAL CREDIT CONTROL XXXX XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) 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 2016-09-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wish to file a complaint against Wells Fargo Mortgage Company ( WFMC ). I have been with WFMC for eight years. I understand that the mortgage is due the first of each month, and a late fee is assessed on the fifteen of the month. I normally paid my mortgage around the fifth or sixth of each month and I never received a letter or a telephone call from WFMC indicating that the mortgage loan is late and the company is trying to collect a debt. 
XX/XX/XXXX-XX/XX/XXXX, I contacted WFMC for a loan modification. The loan was granted and it was mentioned to me that I was a good customer. Nothing has changed, I continue to pay the mortgage around the fifth or sixth of the month. Since I have received the loan modification, WFMC have been calling me on the second, third of each month indicating that they are attempting to collect a debt. The company never did this before. Because I received the loan modification, I guess WFMC assume I am a " High Risk '' customer. 
These harassing telephone calls are very annoying, and I request that they cease calling me. Should I not pay my mortgage before the XXXX of the month, then I can understand WFMC contacting me. 
I would like to know if WFMC contact all of their mortgage customers that does not pay their mortgage by the first of the month or do WFMC just contact the loan modification customers indicating a debt needs to be collected.

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 2021-10-02
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My roommate and I have two separate bank accounts with US Bank. A representative named XXXX froze both of our accounts while we were traveling in XXXX XXXX 209 miles from a US Bank branch and demanded we go into a branch. A separate department with US Bank had already requested a copy of identification and released the hold. This hold is arbitrary and unnecessary as the bank has already validated both of our identities. The woman is on a power trip and has clearly never understood the concept of people sharing an address. I demand access to my funds which are DIRECT DEPOSITED into this account.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, addresses nor did I authorize these companies to pull my credit. Please remove them.

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 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This complaint is in continuation of my previous complaint XXXX. The company Capital One did what they stated their resolution would be. However, they charged me another interest charge in the amount of {$33.00} on XX/XX/XXXX. When I called to inquire and participate in this bill postponing that they call " help our customers '', I was informed that this will not cause me to be billed any fees or interest charges. The fact is that I was. This is an interest charge that falls in the period of this helping thing they are doing with postponing the bill with one month and I was told I will not be billed any charges or fees. The fee that I was incorrectly billed was removed due to this error but this does not mean that they should charge interest charge at a later date, a date that my bill is not even due by. I would love to pay off the full balance once and for all and stop using them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax , XXXX and XXXX requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained an account with credit acceptance back in XXXX. Unfortunately, the vehicle got repossessed. Earlier this year, I contacted them to settle my debt. We agreed on a set amount and they agreed to be removed and deleted off of my credit report and also send me the discharge of lien info proving that I paid my loan off. Ive been trying since XX/XX/XXXX to get them removed from my credit report. Each time I dispute, it says that the info on my report is correct according to them. This last time, I actually called them to see what the issue was. They informed me I needed to download a dispute form and mail it in to their credit department. And so I did. I waited about 16 days and received an update via email stating that they are not removing themselves from my report and that drop my credit score 20 pts! Im so hurt I want to cry

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 2021-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 my credit was used at a fast food location for the amount of {$22.00} that I was not even in town to authorize. I submitted the fraud dispute and even got a new credit card to avoid further fraud activity. Bank of America looked into and I received a letter saying they did not find any fraud activity. I called Bank of America after receiving the letter and they just kept transferring me to different departments. I explained to them I was not in town to authorize the charge and didnt even get fast food that day. But Bank of America decided to allow a fraud to take place. If they cant protect me from a small amount as this transaction would I even be protected if other fraud activities occur?!

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 2021-10-02
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-10-02
Company: Experian Information Solutions Inc.
State: OH
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, XXXX and XXXX refuses to remove inaccurate reporting information on my credit report. I submitted proof of conflicting information that was stated to be verified by Experian, XXXX and XXXX. Experian stated they will not remove information based on what is presented from other agencies. All agencies stated verified information from original account holder. The most recent example is from XXXX XXXX XXXX. All 3 agency 's stated account was verified, twice. After contacting the original creditor and presented a letter to Contract Callers, Experian, XXXX and XXXX advising of accounting error. On XX/XX/2021 XXXX XXXX that original account holder that sold to Contract Callers confirmed at XXXX the balance was incorrect, payments were not applied to account correctly and account should not have been sent to collections. No good faith investigation to verify inaccurate information was conducted on the first or second attempt by Experian, XXXX or Experian or XXXX XXXX XXXX. I have sent all three agencies a merged 3 agency report showing factual discrepancies in their investigation and reporting but all came back information verified, which is not possible. I have since filed a small claims lawsuit against Experian, XXXX and XXXX in small claims court in XXXX, Ohio for damages and removal of account.

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 2021-10-02
Company: JPMORGAN CHASE & CO.
State: MI
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:
JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been well over of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 - Persons of Contact were XXXX & XXXX - No one can find an account or application with my information yet the JPMCB continues to have a negative impact on my XXXX Credit Report. I have called XXXX Case # XXXX, faxed XXXX & emailed this company at XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For years I have been unable to lift a security freeze either through the website, telephone or representative. Each time I try they tell me they can not help me or they do not believe my identity. I have tried to resolve this numerous times. 

When I go online, they say the site is down temporarily. Please see the attached. 

When I call the automated system they give a vast array of options to choose from to confirm my identify, and they consistently say I " failed '' the identity check. 

When I call a representative, they go through the same array of questions. They say I answered one question wrong and will not lift the security freeze. They then tell me I must MAIL a letter asking to lift the freeze along with two forms of identification. I NEVER hear back from them. I always have to deal with an international who has a barely passable understanding of the English language ; why don't they have stateside reps? 

THIS IS UNTENABLE. They allow my identity to be stolen and then they won't allow me access to MY credit report. 

Please help me in dealing with this situation once and for all.

Company response to consumer: Closed with explanation