BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
Company: EQUIFAX, INC.
State: VA
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  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
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:
I Have Been A Victim Of Identity Theft This Account have Been open Without my Consent to Open this Fraudulent Account. Please Shut This Account Off and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Nelnet.com makes it very difficult to find the remaining term of your student loans. Logically, this information should be made available as part of the " Loan Details '' page or on the monthly account statement, but the only place you can find this information is to go to " Documents '' and " Payment Schedule ''. It 's almost like they do n't want borrowers to realize how long is left on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently disputed a medical account with Eastern Account System in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. I think this is very unprofessional from a company to not respond to a request and this is over 4 months old and I've been patient enough and now I want answers I want them to validate this debts I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me but any details may only be revealed with the patient authorization but I do not remember signing for them to release my medical information to any collection agencies including this one. 
I want them to provide a copy of my signature with the provider of service to release my information to Eastern Account System. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel really disappointed having to wait over 4 months and never to be responded to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CL Holdings LLC
State: IL
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:
Ive called Jefferson Capital System and other companies listed they been reporting that I have an open account with them. For numerous of years they been reporting this fraudulent account on my credit report Ive contacted them over 20 different times. To see that they are still not taking this off of my report after I have provided them with police reports Idk which way to turn Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I deposited a check in a Chase branch. Same day, without contacting me, Chase has restricted access to my checking account, which resulted in all transactions being rejected. I have only learned about the restriction five days later when I received a US mail letter from Chase saying that they blocked my account and that the account is pending closure. After calling Chase, I learned that the reason why Chase blocked my account, was that they could not contact the person who wrote the check. This was of course a good check which timely cleared into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Bliksum, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a loan with Loan me, i have consolidated my debt with XXXX XXXX, I am a client and they are taking care of mu outstanding debt. I have spoken to the company 2 different times, telling them that I have gone with debt consolidation to take care of the debt owed. 
Today, XXXX from XXXX XXXX called, my ex husband, all of my XXXX  of my children, I don't know how in the world they got their phone numbers/saying they had filed a civil law suit on me. Then when I called him back, he tried to deny saying he had left the civil lawsuit with my ex husband. Totally unacceptable, my debt consolidation is not the concern of my ex husband or my children. He also called on of my friends with the same message. 
This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: MARINER FINANCE, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We looked at my XXXX  account and found that someone using my name and social security number had taken out a loan through Mariner Finance around XX/XX/20 or XXXX of this year in the amount of {$3100.00}. I called Mariner Finance, XXXX  to alert them of fraud and connected me to the fraud department. They asked me to fill this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have been collecting XXXX unemployment from the state of AZ. I received my Bank of America card and deposit the end of XXXX. On XX/XX/2020, I was informed via email, that my account was closed and the money was returned to my employer. I checked my account, and the balance was XXXX. AZ XXXX had closed my account and took the money with no notice. They deemed me fraudulent as I currently reside in CA. My account had {$4600.00} at the time of their withdrawal. Since then, I have set up direct deposit, my account is NOT fraudulent, and I even had an appeal. I have called and/or emailed everyone I can for this. No one can tell me where my money is. It still shows I received it and paid taxes on it on my workbench. I do my know what else to do. Now this shows as income and that I paid taxes, but I did not. It was taken, no explanation, no one knows where it went.

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 2015-12-29
Company: Jon Barry and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone used my information in creating this debt or account and it is not mine. i have filed police reports and had affidavits notarized in this matter this company seems to be reporting information from an issue where somein has forged and used my idenitity to get this account open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello On theXX/XX/20 I have tried to send 1 ethereum token from my XXXX XXXX telephone app to my Coinbase app. 
The Transaction was successful however I had sent the ethereum cryptocurrency via a BEP20 network and not what Coinbase accept to enter the fund into my Coinbase account. I can not access my funds whatsoever. The transaction is successful however I can not access my own funds. 

The crypto cuirrency can be released by Coinbase but they claim they can not. I have contacted them but there is no way to get my money back. I would like them to at the very least return my funds back to the same source they received the funds from ( my XXXX  account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.

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 2015-10-14
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Good afternoon, I do n't know if I am sending this to the right department, but I do n't know who else to turn to. I have reached the end of a long rope with a first time car loan company out of XXXX XXXX called Tidewater Motor Credit. I did a Voluntary Repossession with this company because I did not like the way they were doing their business and the way they were treating me as a client. There was a file claimed against me and now they are garnishing XXXX % of my paycheck. Now this may not seem out of the normal, except I told them to take the car, and they did take the car and sold it at auction back in 2003. So they have come back 12 years later and garnished my paycheck for {$10000.00} more than the original loan. I do n't know how this is legal but now it has put me in such a financial hardship that I have seriously considered taking my own life just because I am tired of dealing with it all. I have a severe bleeding disorder and already have to live everyday of my life in XXXX and from that I have XXXX and this just compounds all those things. The attorney for this company, named XXXX XXXX from XXXX XXXX, just acts like he has his foot in my throat and almost laughs in my face. How is all of this possible and no one seems to want to help me. I have contacted the attorney general for the state of XXXX and XXXX and everyone just passes the buck. I even contacted the XXXX Firm and still, no one wants to help me. What in the XXXX can I do? 

I hope you can help and can shine some light on this issue, because I know they are doing this to more people. My time maybe over, but maybe somebody can help somebody else from living with this agony. 

Thank you so much, XXXX XXXX, if you would like to contact me, it is best to email me at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions 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:
Ive contacted XXXX  on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years

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 2015-12-08
Company: Westlake Services, LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My name is XXXX XXXX XXXX XXXX ive had my XXXX Hyundai sonata for three years now and the price of the car was XXXX dollars but they told my XXXX XXXX told me after two years I could trade it in for something better I went the a XXXX dealership to trade to get a better year car they told me when they pulled my credit report that it did not show I had a car loan but showed that they car is paid off but ive been making car payments on this car. I finance company was auto credit but now it is XXXX financial I cant understand why the interest rate is so high and how come it 's not on my credit and showing that it is paid off. My social security is XXXX date of birth is XXXX/XXXX/XXXX my phone number is XXXX I need some answers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I want to file a Complaint against : Chase Bank. I am a victim of " Dual " Tracking ''. On XX/XX/XXXX I sent Chase a completed RMA. ( Request For Mortgage Assistance ) packet. Two weeks later the rep confirmed they had received it and it was complete. I was approved for a Short Sale. I listed my house on XX/XX/XXXX and received a contract on XX/XX/XXXX with a $ XXXX escrow check. Currently there is a Valid contract on the house with the $ XXXX deposit. My Realtor can verify this information. Chase rejected the first offer. On XX/XX/XXXX a new offer was submitted. It has not been accepted or rejected as of this date XX/XX/XXXX. 
On XX/XX/XXXX Chase sends me a letter requesting more info from the XXXX. office ( Short Sale Dept ) I call, they tell me " No problem, all paperwork is in ''. XXXX Reps agreed all paperwork is in. On XX/XX/XXXX..Chase sends me a Foreclosure Notice and a Sale Date of XX/XX/XXXX from Fla.from the Foreclosure Dept. This is a " serious '' violation of the XX/XX/XXXX RESPA ( Regulation X ) Mortgage Servicing Rules. According to CFPB " dual tracking '' is when a mortgage lender or servicer simultaneously is evaluating a Consumer for a loan modification or alternatives at the same time that if prepares to foreclose on the property. The final servicing rules make it Unlawful for the mortgage servicer to lead the Consumer down one track where they think they are being considered for a foreclosure alternative when the Consumer is begin led down another track to foreclosure ''. I have done everything in my power to make this Short Sale work. I have prepared countless hours of paperwork to listing the property, getting a valid buyer with funds ready to settle. Only to have them " play games '' and give incomplete answers to questions. I am XXXX, XXXX. They said I would get $ XXXX HAFA money to re-locate yet will not put it in writing. This was a condition of me willing to do a short sale. I now want $ XXXX to relocate and for this Short Sale to go thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: COMMERCE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my bank account at Commerce Bank in XXXX 2014 - 9 months ago. ( they are a regional bank and i moved across the country XXXX miles from their nearest location ). I recently got a credit report and i noted that Commerce was reporting a 180 day past due balance. I am unable to log into an online portal to see my account balance because my account was closed 9 months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. 
The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. 
I sent certified letters to all parties trying to resolve this issue. All parties ignored me.

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 2017-02-14
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Hospital did not file my insurance correctly which caused my insurance not to pay the full amount of the bill which now has been added to my credit and has damaged my credit. I explained to the collection agency that i am XXXX and i am on XXXX and XXXX which pays 100 percent of all medical bills and the hospital would need to file the proper insurance to get the proper payments and they refuse. I am on a limited income and can not afford to pay my medical bills which is why i am approved for both insurances. They will not fix their error which is continuing to damage my credit severally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a car with Santander Consumer USA. The car was totaled and my insurance paid the car off. This account is reporting late & was never late. My insurance company paid the car off. This reporting does not reflect my credit worthiness, and has severely affected me. I was just made aware of this reporting from my employer. I work with consumer financial info and I am required to keep a certain credit report. This inaccurate reporting can lead to termination of my job, Please correct this and delete this late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had XXXX American Express XXXX XXXX cards - XXXX for myself ( XXXX XXXX ), XXXX for my husband ( XXXX XXXX ) and XXXX for my son ( XXXX XXXX ). My husband 's card was the primary card. My son 's card was compromised, had fraudulent charges put on it, and the card was cancelled in XXXX of 2015. American Express continued to accept fraudulent charges on the card after the card was cancelled, and rolled them over to the primary card. We closed the whole account ( all the cards ) in XXXX of 2015. To this day American Express is still accepting fraudulent charges on the original compromised card and sending us bills. We have to call each time and report the fraudulent charges and go through long telephone calls with American Express. They have not ever been helpful about fixing this problem to stop accepting charges on the account that as been closed for well over a year. This is wasting a lot of time and energy on my part and is very frustrating. I have attached copies of the two latest statements which show the fraudulent charges processed on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Working with Senior Mortgage Processor XXXX XXXX with PenFed FCU has been a nightmare to get a mortgage on a home in Texas. She did not communicate well at all, and actually was unresponsive to e-mails for more than 10 days, a complete failure in such sensitive processes as a mortgage application and executing a closing schedule. For more than a third of the window in which I should have been able to communicate my questions and concerns, PenFed 's representative was unavailable. 

The scheduled closing date for the home/loan is Monday, XXXX XXXX. Within just a few days of closing, XXXX began to communicate about problems she was having and additional documents that were required. All of the documents requested in the beginning of the loan application process were provided within 3 days of the request, and now ( Friday, XXXX XXXX, more than 20 days later ) there may be documents required at XXXX on a Friday for my closing the next Monday. This unfortunate use of XXXX 's time may result in a delayed closing on my home. 

From the questions being posed to the title company by XXXX, it does not appear she has a clear understanding of Texas real estate sales, to include the way property taxes are done in Texas. I would caution anyone who gets a mortgage application assigned to XXXX to quickly speak with a supervisor to request your processor be changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation