BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a summary and a full version will be attached to this complaint. I was victimized by a scam involving online sale of puppies. Perpetrator was sophisticated in the way they described their program and involved victim in their process. They started out with a beautiful puppy and great concern over well being of the puppy and got you to buy into how sincere they were. They convinced me to send {$750.00} -- {$500.00} for puppy, {$250.00} for shipping ( at a cost of {$11.00} to me ). Then they said they would ship puppy & I would be contacted by delivery company. Delivery company contacted me with elaborate delivery procedures & instructions then at the last minute the delivery company contacted us wanting {$1800.00} for life insurance on the puppy saying they would return {$1700.00} of the {$1800.00} at the time they delivered the puppy. The backed up the demand for the {$1800.00} with references to XXXX regulations. We did not pay the {$1800.00}. It is a pretty elaborate scheme. It works fast. I am afraid other vulnerable people are being defrauded by this scheme. I suspect that the breeder and the delivery company are actually the same person or people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.

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 2021-12-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an unsolicited debit card in the mail from Chase Bank on XX/XX/2021. The name on the account is mine and even includes my businesses name underneath. The instructions on the card state that I should activate the card. I HAVE NOT ACTIVATED THE CARD. 

Part of the correspondence that arrived with the card states the following : " This card accesses the primary accounts listed below ( and further states an account number ending with XXXX ). 

Here is the problem, and the reason for this complaint, I have never opened an account with Chase Bank NEVER. And as a result, I believe this is either a scam, a case of stolen identity or a fraudulent practice on the part of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I opened my Credit report and found unauthorized inquiries on my report. I don't know where they came from and I have no knowledge of them. Please correct this error. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
Credit Acceptance has violated my consumer right to privacy although I have made them aware that I did not and do not consent to the sharing of my nonpublic personal information to nonaffiliated third parties. They have furnished this account on my consumer report. They have violated my rights and multiple federal laws. 15 USC 6801 protects my right to privacy. 15 USC 6802, and 6803 obligate Credit Acceptance to provide me with the opt-out disclosures and obligate them to comply with my choice to opt out of the sharing of my nonpublic information. I have sent multiple complaints through the CFPB regarding this issue. I also sent an Affidavit of Truth to Credit Acceptance on XX/XX/XXXX. They have failed to rebut this Affidavit of Truth and instead responded with a " template '' on XX/XX/XXXX. Credit Acceptance claim this " template '' is a model for what they claim to have sent to me on XX/XX/XXXX. Credit Acceptance has provided nothing but hearsay. I also contacted the Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX about this situation. Credit Acceptance responded with the same " template '' that they sent to me. They only sent this " template '' after receiving my Affidavit of Truth with Exhibits which included a copy of the letter they sent to me on XX/XX/XXXX. Credit Acceptance responded they have not obtained a copy of this letter that they claimed to have sent to me on XX/XX/XXXX. I rebutted this response with the Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX but I have yet to receive a response from Credit Acceptance. 

Furthermore, Credit Acceptance has failed to comply with the Cease and Desist that I sent to them on XX/XX/XXXX. I requested they cease ALL communication. The furnishing of this account on my consumer report is " communication ''. 

See Attachments.

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 2017-08-15
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am unaware of this debt, it states on my credit that the open date was XX/2014 I do n't know of this debt no knowledge of it, Ive written and called this company they can not find information one moment then states they found it and will send verification nothing was recieved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home loan was with XXXX XXXX XXXX and I went into a slow pay with them and started paper work with them at that point. I was told that they would not work with me at all and I was told to wait till I was 2 months behind and maybe said they may want to help.. They did not do anything for me. Then a few months later they sold my loan to M And T bank and they send me a letter telling me that I was now with them and to start making payments to them ASAP. I called to make my payments and they told me that I could not make anymore payments till we sent in a modification package to see if they could help me. They would not take my payments then I sent all the information everytime that they asked me and then told me my documents were not current so they asked for info again and again and again and always at the 30 day mark. I was sent back again and again and never got help. Then I spoke to XXXX XXXX and he informed me that we would not have to make a payment and we would be review again. Do n't worry everything should be fine. I then revcived a letter stating that I got turned down for the modification and that I was going to lose my house. I called the bank and tried to make payments but they said they could not take them I was only 3 months behind. They told me that I could not make the payments. They then told me to re-apply and they said that I would not get approved but to try anyway. Then I went to find someone to help me but after 1 month they came back with a forbearance and they said that the payments would be XXXX per month and that the agreement was for 6 months and after the agreement they would reconsider for a additional term. I made all the payments on time and XXXX XXXX 2015 was the last payment for the forbearance and I sent the payment but 5 days later they started a forclosure sale date of XXXX XXXX 2015 and told me that they did not have to reiview me again unless I sent info 30 days in advance. I never received a forbearance agreement from the bank and I never signed XXXX. I have been requesting Info from the bank since XXXX/XXXX/2015 to show a signed forbearance and the terms but to this date they have not complied with my request this is now over XXXX days. I also contacted the trustee quality loan services and requested them to respond to QWR and they did not comply. I just yesterday XXXX XXXX 2015 reinstated my mortgage in hopes that someone would help me. This bank is really a mess and if not for many hours of work I would have lost my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: MSCB, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MSCB Inc flagged my XXXX credit report after submitting an affidavit stating that I had no idea what this bill was because no one ever sent me a bill therefore I have no knowledge of this bill. I have previously been a victim of identity theft and also have a family member with the exact same name and month/year of birth as myself. Also, these collection agencies purchase these accounts for pennies on a dollar hoping to get paid the full amount. It also again HIPPA violations for hospitals or medical providers to provide any information concerning patients due to charged-off bills but again I have no knowledge of the bill because I was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge with barclaycard, in writing, over 2 months ago. I have proof of this as I used an online registered mail service, so I can prove I sent the letter and prove the content of said letter. I closed my account a few days ago, and in my final bill they reposted the disputed transaction. When I contacted them they sent form mail telling me to submit another dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: DataMax Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Interstate Credit Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2017-01-03
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Made several attempts to pay mortgage via phone payment using my checking and routing information. M & T representatives recorded and processed the information. I received no information about a payment not going through. I checked with by other bank to be sure the payment was withdrawn and it was not. I again made the same attempt with the same results. I was on hold with customer service to try and resolve the issue for approx 1 hr before terminating the call. I spoke with customer service later on and the only thing they were concerned with was if the residence was occupied or not. I have been victimized repeatedly by m & t in the past and charged over XXXX in fees because they do not post deposits and debits in a timely manner. In addition they want me to pay late fees and I assume will report to credit agencies for being delinquent on a mortgage that they would n't accept payment for. I spoke with my current bank and confirmed all the checking and routing information was correct for which it was. M & T is claiming I Gave them invalid account information. The emails I received from them contradict that claim.

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 2016-12-02
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for loss mitigation help with M & T Bank. They denied the request because I had a short term lease that became month to month. They said this was not stable income. 
I reapplied with a new year long lease and they say they will not look at the application and I am not able to reapply until XX/XX/2017 with no reason for this provided.

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 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA N account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE BANK XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: MS
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:
I spoke with XXXX XXXX XXXX, Equifax, XXXX, between XX/XX/2021, until today regarding misinformation and claim of debt. I was not notified of the collection by XXXX. XXXX XXXXXXXX. I do not have documentation from any courts regarding a rental debt. XXXX, Equifax, XXXX refused to provide validation of the debt and certifying information regarding this debt. They refused to conduct a proper XXXX compliance investigation. Failed to provide judgment information regarding alleged rental debt and result in damages for obtaining credit. They also refused to provide all documentation utilized regarding this collection that is a statement as " Validated according to FCRA. '' They also continue to renew the date of delinquency. I also was not provided any information regarding rental history with stated unit regarding alledged debt and delinquency from the time frame it was listed or before it was listed. The total debt alleged is {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX I opened my credit report and noticed unauthorized inquiries on my report. These were unauthorized and I have no knowledge of where they came from. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX National Credit Card Cos . 
Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I had a promotional balance that expired XXXX/XXXX/2015. The XXXX/XXXX/2015 statement balance was XXXX. I paid the full statement balance in XXXX XXXX and XXXX. Barclays did not apply the payments to the promotional rate and instead applied it to charges that were made after the statement generation date and not do an payable until the next statement generated. I was charged XXXX in interest on XXXX XXXX XXXX. I was told they were allowed to apply my payment to charges made after the statement generation date and not to the promotional balance which was paid in full XXXX times prior to expiration. I am also forbidden from " pre-paying '' charges until the next statement. It is a trap designed so that I can never pay off the promo balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed debts to allied collection service for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but XXXX still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Credit Bureau Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Services were not authorized. I do not live in the state of Missouri. Collection agency never contacted me in writing about these multiple fraudulent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Monterey Collection is in my credit report with XXXX XXXX XXXX XXXX debt. I have tried sending validation request for the account. But they never responded to me. Also account keeps coming back verified but the balance is not reporting consistently. This is a violation. They don't have the proper documents to validate the debt. This is tracking # XXXX when I first sent my letter. See attached for proof of inaccuracy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Over the last several months after seeing a new account listed on my credit file I contact Chase Bank only to be informed that I had opened a charge account in 2008. I notified their offices along with the credit bureaus only to be told the account in question was sold and they no longer have record. I then provided them with a copy of a law enforcement report and affidavit only be told that was not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have sent letters and affidavits to the CEO of OneMain Financial ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 15 USC 1692 et seq. to give knowledge of the facts regarding OneMain Financial Accounts.Including the personal loan agreement, account ledgers and bookkeeping entries. I have requested if OneMain Financial used its own money, money equivalent, credit or capital, or that of other depositors, as adequate consideration to purchase the loan agreement and notes from the borrower. I have requested validation that OneMain Financial does not follow Generally Accepted Accounting Principles ( GAAP ) or the Federal Reserve Banks policies and procedures, and did not create credits from the Borrower holders signed receipts, promises to pay, notes, or other instruments.I have sent a certified letter and affidavit to be notarize of this information twice. OneMain Financial did not do so instead they gave me verification of the loan not validation. OneMain Financial is requesting payment on a fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
A person with phone service at XXXX XXXX or another phone provider who is not related to me or affiliated with me is trying to steal from my beneficiary account at XXXX XXXX and PNC Bank. I believe that they are hoarding my money in other banks. My phone numbers are XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Adler Wallach & Associates, Inc.
State: CA
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:
AWA COLLECTIONS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This is a fraudulent account I did not authorize this. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Otherwise, anyone paying for services from the 3 major reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation