BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX IS ATTEMPTING TO COLLECT ON AN ALLEGED DEBT THAT WAS AN OBLIGATION OF XXXX TO PAY MONEY ARISING OUT OF A TRANSACTION WHICH THE PROPERTY OR SERVICES WAS USED FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES. 
XXXX HAS VIOLATED MY FEDERALLLY PROTECTED RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT 15 U.S.C. 1692 AND ALSO UNDER REGULATION F OF THE CFPB.. XXXX HAS USED ABUSIVE AND UNFAIR PRACTICE WITH MEANS OF COLLECTING ON AN ALLEGED DEBT. XXXX REPORTED TO MY CONSUMER REPORT WITH EXTORTINATE INTENTIONS OF COERECING AND SWINDLING ME INTO PAYING AN ALLEGED DEBT. XXXX FAILED TO FOLLOW THE CORRECT PROCEDURES BEFORE REPORTING TO THE CREDIT REPORTING AGENCIES.. I CALLED XXXX TODAY AND WAS TOLD BY AN REPRESENTATIVE BY THE NAME OF XXXX, THAT XXXX EMPLOYEE CALLED TWICE TO THE TELEPHONE # XXXX WITH NO ANSWER ON XX/XX/XXXX, AND XX/XX/XXXX OF 2022. I HAVE NO IDEA WHO TELEPHONE NUMBER THAT IS BECAUSE, ITS NOT MINE. I ALSO ASKED HER DID THEY CONTACT ME ANY OTHER TIME VIA MAIL OR ANYTHING AND SHE STATED NO. I ASKED HER FOR THE THE BALANCE AND SHE STATED THAT I HAD TO PAY COLLECTION FEES THAT THE COMPANY XXXX HAS DUE TO THEM HOUSING THE ACCOUNT, WHICH IS IN FACT ILLEGAL. I AM NOW PUTTING THIS COMANY ON NOTICE TO CEASE ALL COMMUNICATIONS FROM ME FROM ALL MEDIUMS. ( INCLUDING MY CONSUMER REPORT ) I AM NOT PAYING YOU FOR THE ALLEGED DEBT. FAILURE TO CEASE COMMUNICATION AND REMOVE MY PERSONAL INFORMATION FROM YOUR COMPANY OFFICE WITHIN 10 DAYS OR I WILL PROCEED WITH LEGAL MATTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXXr Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A 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 2017-09-26
Company: JPMORGAN CHASE & CO.
State: IA
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 continue to get hard inquiries from Chase Credit Card company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In early XXXX I received a targeted promo mailer from HSBC XXXX advertising a {$350.00} bonus for opening, funding and maintaining a new HSBC XXXX checking account. To qualify, you must be a new customer ( I had never been an HSBC customer before ), must open a new Advance checking account by XX/XX/XXXX ( I opened mine on XX/XX/XXXX ), must deposit {$10000.00} or more byXX/XX/XXXX ( I deposited {$5000.00} upon opening the account on XX/XX/XXXX and {$5000.00} more on XX/XX/XXXX ), and maintain this {$10000.00} balance fromXX/XX/XXXX throughXX/XX/XXXX ( which I did ). 

" You will automatically receive the {$350.00} deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. It 's that simple '', stated the flyer. 

After more than 12 weeks, multiple phone calls to the toll-free customer support line at XXXX as well as to the local branch in XXXX XXXX, CA where I opened the account, additional e-mail correspondence with the Vice President/Cluster Branch Manager and an in-person visit with the same employee, I have yet to receive the promised {$350.00} bonus. 

Every conversation I have had with the local branch employees ended with promises of impending bonus deposit " in a few more days '' or " next week ''. Every conversation I have had with the toll-free customer service representatives started and ended the same way : their confusion and inability to seemingly find any related notes, reference numbers or resolutions regarding this issue. 

Additionally, I referred two new customers to HSBC as part of their " Share The Experience '' promotion, qualifying myself for a {$100.00} bonus per new customer. I have received only one {$100.00} bonus, with the second one due on XX/XX/XXXX. Both of the customers I referred opened new accounts and funded those accounts as mandated by the promotional language. XXXX XXXX branch employees have confirmed this and reassured me that I should be receiving the second {$100.00} referral bonus within the promised XXXX window. That has not happened. 

As ofXX/XX/XXXX, HSBC owes me a total of {$450.00} for personally opening a new HSBC XXXX checking account ( {$350.00} ) and a missing referral bonus for a previously confirmed fully qualified new customer referral ( {$100.00} ). 

I feel that I have reached the end of the road dealing directly with HSBC and its representatives, and would much appreciate some assistance securing what is rightfully mine. HSBC mailed me an offer, I played by their rules, yet they have failed ( repeatedly, I might add ) to uphold their end of the bargain. I have never had such a frustrating and disappointing experience with any other bank promotional offer, and I will never again deal with or recommend HSBC to anyone I know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 2017-09-26
Company: Experian Information Solutions Inc.
State: IA
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 continue to get hard inquiries from XXXX XXXX XXXX company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

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 2022-09-30
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/22 I received an alert on my XXXX report for a fraudulent new account with the company moneylion for a loan totaling XXXX XXXX I contacted moneylion to have the account removed and have sent in documentation proving identity theft. I have also reported the identity theft to the FTC. The company has not helpful in removing the account at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: SANTANDER HOLDINGS USA, 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:
BEFORE COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH SANTANDER CONSUMER U XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX DATA BREACH ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX  IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Today XX/XX/2022 I was spoke with XXXX a Senior Account Manager at Capital One. Her ID # : XXXX, XXXX wouldn't give up her last name when I asked for it. We spoke about Capital One Agreement and Credit Reporting. When opening up both of my account I was told that I had to opt in credit reporting and that there is no option in opting out of credit reporting. Capital have violated 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Durin the phone conversation I kept asking why was I never informed on how to exercise this option and XXXX kept implying there is no option and that I was stuck with this and that I have no privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I was told my son first year annual fee would be waived and the supervisor refused to waive it.shw claims would be in paperwork ... I tried to tell her not in paperwork because it was only for first year so it would shout annual fee after that..she blatantly would not help and waive few when we were advised it would b for first year

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I contacted XXXX  XXXX to let them know was there anything I could do because due to XXXX my job hours were affected and the rep I talked to said they couldn't do anything but on their website, they have a customer assistance impacted by covid but couldn't remove my late payments. XXXX XXXX XXXX XXXX XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, I contacted XXXX  on XXXX to see if i could get my late payments remove and the rep said they will remove all late payments and make all current and paid, XXXX  XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment XX/XX/XXXX, i contacted XXXX  and the rep said they will remove and also send an email and i never received the email to confirm and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: KS
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:
I am absolutely sick & XXXX tired of seeing the same, unchanged collection account reported month after month after month, dispute after dispute after dispute. Every time they say that its validated and I'm here to tell you that it is not, this is XXXX XXXX! XXXX, Equifax XXXX XXXX you're all liable for this too. If you'd do your jobs and complete a thorough investigation the 1st, 2nd, XXXX any time I dispute something, but no that's too much work, XXXX, it's like pulling teeth with all of you. Mentally, I am pretty XXXX far from okay. This is my life! Ya 'll tarnish my name and stomp on my rights. I am an American Consumer and I know my rights, the XXXX  stops here ya 'll, and I'm done playing this game. Consider this your last & final warning before I file a complaint with the XXXX XXXX account : XXXX XXXX  # XXXX XXXX XXXX, Look, I've got you checked, mates ; I've got all the proof I need to easily win. I'm not just asking for the minimum here either. I will seek emotional damages as well. I'm a XXXX  well rehearsed in consumer law and I am not playing around with this game anymore. I will file the complaint in U.S. District myself, and I will demand a jury trial. I'm filing this complaint at XXXX, Wednesday evening of XX/XX/2023. Just remove the account and I won't proceed with filing a case. XXXX, Equifax, and XXXX This is on you too. Don't think I haven't been building separate files of violations from you too. XXXX. CFPB- please feel free to pass to whoever, AG , FTC whomever. I'm keeping a copy for my own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: ARC Management Group, LLC
State: FL
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:
I did not sign a contract with this company and I have no signature or binding contract with this company ARC Management Group , LLC. Therefore I want them to delete account from my credit report! Asap! Or I will take legal action. They bought an account and are trying to charge me for something I do not owe there. Please provide information where I signed a binding contract with ARC Management Group , LLC and also show point of contact. Please delete from my credit report asap! Thank you As of XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. The debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back. 
If the collector gets a notice that the letter or message was undeliverable, the collector can't report the debt to the credit reporting agencies unless it achieves communication as detailed above. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor was XXXX XXXX XXXX XXXX XXXX apartments. My husband and I moved in XX/XX/XXXX. We were evicted XX/XX/XXXX. The apartment complex " SOLD '' the contract to PROCOLLECT INC. they are reporting on all three credit reports that we owe a balance of {$5400.00}. This was placed in collection XX/XX/XXXX. We have sent out letters for them to validate this debt. However, they sent us a copy of the contract and another statement with the amount owed to them. They doubled the amount. We have reached out to them many times regarding this issue .... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,. We sent out several letters to which we have no response. We need this debt removed from the credit bureaus as soon as possible. They are making it hard to apply for credit and to move forward within our lives. This debt has so many unaccuracies. Please help us! PROCOLLECT INC is a SCAM!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: DISCOVER BANK
State: FL
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:
Discover card is charging me for a stay at a hotel that I never stayed at - I cancelled the hotel stay before my stay was due but the credit card company is still charging me in spite of me not even stay there! This XXXX  was in another XXXX - I XXXX XXXX XXXX XXXX XXXX  The hotel was non responsive when asking questions so I had no way to confirm the company would pick me up from the airport in XXXX XXXX. I cancelled the stay due to me not feeling comfortable and poor service- my credit card company is allowing this charge to remain on my account even thought I never stayed here and received poor service from the hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund from AidVantage, per the CARES act on XXXX XX/XX/2022. My balance, originally {$1800.00}, was updated to reflect interest charges that were charged to me during the payment pause when XXXX XXXX interest was supposed to be charged. My new balance is {$2100.00} which is completely negligent of Congressional mandates and abusive. 

Today I received a check from the Treasury for only {$660.00}, which certainly does not cover the original payments made of XXXX. This feels like fraud and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a text message from PayPal and it stated that I made a payment to some man. I do not know this person and I was talking to the people at this phone number ( XXXX ) XXXX he hung up on me when I stated that I was reporting this to the FTC. 
I have a picture of the message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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 tried contacting Equifax several times regarding some accounts that are on my credit report that are not mine. They usually come back with the answer " Verified '' which makes no sense for these accounts belong to a different named individual. However my middle name and last are similar which XXXX be the mistake everyone is over looking. 

My name is XXXX XXXX XXXX, and these accounts that XXXX aware of at this time so far are under the name of a XXXX XXXX XXXX which is obviously not me, I have attached my XXXX Main Government Id 's which are my Social Security and Drivers License both with my Correct name on them. 

Please remove these accounts as soon as possible for it is hurting my consumer report and I am unable to move forward into a home with my family. 

XXXX ) XXXX Bank Account # XXXX XXXX ) XXXX XXXX Account # XXXX Also there seems to be a Fraud Statement on my credit report that I did not Authorize. Please remove that statement for I made no such statement. I will be going through more accounts to see if there are other errors. Meanwhile please remove the above accounts that do not belong to me. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation