BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-28
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX from XXXX XXXX XXXX based out of XXXX MI attempted to collect {$71.00} from what she said was money owed from XXXX XXXX XXXX dates included were XX/XX/2014 for {$21.00} ,XX/XX/2014 for {$25.00}, and XX/XX/2014 {$25.00}. 

I have contacted XXXX hospital financial Dept, XXXX XXXX XXXX, and XXXX health which is the company owns XXXX. All explained to me that I did not have any outstanding balances and reported to me that I do not have any debt in collections from them. 

I strongly feel this is a scam and needs further investigation to avoid others who may be victimized from this scam. 

If you have any further questions or concerns please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is concerning a crypto currency transaction. I sent XXXX BNB from my XXXX XXXX to my Binance.US wallet on XX/XX/2021. I forgot to include the tag/memo ( XXXX ) so the XXXX was never credited to my wallet. I have submitted multiple support tickets with no response. On the Binance.US site it states that if I submit a support ticket that they can fix the missing tag/memo error and credit the XXXX to my digital wallet but they have not done so nor have they replied to any of my requests to do so. The value of missing the XXXX is currently over {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: AR
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 recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. XXXX Equifax and XXXX has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE ARCHILDSUPPORT/ XXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX : XXXX XXXX XXXXXXXX / XXXX FRAUD / REMOVE XXXX XXXXL XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / XXXX XXXX XXXX XXXX XXXX  XXXX FRAUD XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXXXXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXXXXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Social Finance, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to file a formal complaint/claim against XXXX for its negligent handling of my debit card disputes. Not only has XXXX denied my disputes, but it has also neglected to address concerns and disputes I have raised about its investigation procedure in several email exchanges with its customer support. Furthermore, it is refusing to dispute additional unauthorized charges I have found and filed with the same merchant. 

In several email exchanges with XXXX, I have voiced concerns about its third-party investigator 's ( XXXX ) approach to investigating the unauthorized charges and expressed it was a biased review and not one that was done in my best interest to help me get the money back. I also filed a police report with the XXXX Police Department, as well as an FTC ID Theft report and affidavit, yet the police nor the FTC were ever contacted as part of the investigation. 

Currently, my account sits at negative - {$1900.00} due to this. I have sent a Demand letter to XXXX asking for it to credit my account in full for the unauthorized charges I have disputed, totaling {$4400.00}. 

XXXX has told me that it will not honor it. 

I am attaching my Federal ID Theft report as well as a police report, and I have several documented email exchanges that I will present to the Attorney General 's Office in Massachusetts in the event that this does not get resolved through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: SinglePoint GI
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and saw that GENERAL REVENUE CORPORATE ran an inquiry on my credit report without my permission. Under the Fair Debt Collection Practices Act my social security card is my credit card and it was used without my consent. They have never sent me anything in writing asking for my permission to run my social security number now have they even informed me that they ran it and this was a month ago. They are committing aggravated identity theft and a report will be filed with the FTC because I have no idea who this company is or how they accessed my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fruad account stolen identity Account was deleted XX/XX/XXXX and then added back to credit report 30 days later XX/XX/XXXX when account was deleted the creditor name was XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  when account was added back to credit report credit had change there name to XXXX XXXX XXXX/XXXX/XXXX XXXX and is trying to report the same account under different name with same account number XXXX for this account I attached copies from my online Experian resulted showing the account was deleted with the same account number and the added back on to my report also attached copy of police report Creditor XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX and XXXX of XXXX, there appears to be XXXX fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX XXXX XXXXXXXX XXXX, and 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 2022-09-08
Company: Monterey Financial Services LLC
State: OH
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam of the Consumer Finance Protection Bureau, It has come to my attention, on XX/XX/XXXX, Contract Callers Inc. dba CCI, reported an unsubstantiated debt that is the result of identity theft and has previously been resolved with the original creditor of XXXX XXXX XXXX ( XXXX ) and removed from my credit reports during the 4th cyclical period of XX/XX/XXXX. It is further noted, CCI is in direct violation of the FCRA and is therefore liable to me in the amount of {$1000.00} for each occurrence. It is within my federally protected rights to pursue this matter through litigation. To avoid such procedure, I request the CFPB investigate Contract Callers Inc. Dba CCI for their illegal and unethical collection practices. On XX/XX/XXXX an FTC Identify Theft Complaint and Affidavit filed ( XXXX ) On XX/XX/XXXX XXXX, XXXX XXXX and XXXX were notified of the fraud XXXX County Sheriff Police Identity Theft Report Number XXXX On XX/XX/XXXX XXXX account was deleted from my credit report at the direction of XXXX due to fraud in my name. XX/XX/XXXX, Contract Callers Inc, with full account knowledge and full history of the reported fraudulent account reported an active collection account with XXXX. This fraudulent account has already been discussed, investigated, and noted to be fraudulent. At this time, CCI is attempting to circumvent the legal protections of me as a consumer by attempting to collect and report an unvalidated, illegal, proven fraudulent account. At this time, CCI has made no attempt to rectify nor remove its reporting as required by section 605B of the Fair Credit Reporting Act, which states CCI is required to block the fraudulent information on my credit report which is the result of identity theft within four business days.
CCI has, among other charges, : -reported debt which it knew was fraudulent ( CCI failed to review full account detail to reveal the status of the debt as fraudulent ) - Has not validated nor provided the consumer with written notice prior to furnishing information to credit reporting agencies - failed to investigate - willful negligence

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 2019-12-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize any of these inquires on my experian credit report

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 2022-02-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
YOU BROKE THE LAW! 

To Whom It May Concern : I would like to say. that Equifax is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may Furnish a consumer report in accordance with the written instructions of the consumer. I the consumer living person never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I have listed the accounts below and I demand you remove these inaccuracies of my consumer report. If they are not removed I will not extend my credit to anyone or allow Equifax to furnish my report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to ben furnished on my consumer report it has caused me to lose confidence in the banking system. If Equifax wants to continue doing business with me, it should delete the inaccuracies off of my consumer report below immediately. 

XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Credit Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Bank XXXX XXXX Account Number XXXX Cease and Desist from reporting these accounts on my consumer reports now and one hundred years from XX/XX/2022. 

Sincerily, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the summer of 2017, I went to XXXX located at XXXX XXXX XXXX XXXX, XXXX, NH XXXX and received 2 XXXX  with service. The amount that I was told was not true and after going into the store I talked to the manager and they apologized and ended service/account and said that they would cover the month of service. I have had debt collectors call me and I always have to call XXXX and sit on hold for a few hours fixing it. I still get letters for debt collection and it is now going against my credit. I have talked to managers numerous times and they always claim to " fix '' it but I have no proof. I have asked for written verification numerous times and I never received it after sitting on the phone/hold for hours.I returned the equipment and am being charged for the month of service. I have been told that it was an internal error and that I am all set, yet I still get letters from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: BANK OF THE WEST
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received an RV loan in XX/XX/2020 from Bank of the West through the RV dealership. 

They included extended warranty coverages that were not explained to me and I never received documentation for the details until I had to contact the warranty companies and cancel. They applied credits to my RV loan, and the bank processed in such a way that I had " no payment due ''. 

However, I continued to make monthly payments. I do not receive any statements so when I log on, they provide a transaction history showing almost ALL payments have been applied to INTEREST and nothing going toward principal. And NOW they tell me the loan is past due ( after no-payment-due ) which is double the monthly payment! 

Is this bank a legitimate banking operation in the United States? Is it FDIC insured and allowed to make loans? From online review resources, they are ruining people 's credit with their nefarious practices.

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 2019-08-01
Company: United Acceptance Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/19- I have had 2 calls back to back within 2 minutes from the same company about finishing paying for my car. The first call got ignored and second I answered. I also got a voicemail from the first call about collecting the rest of the note. I answered the 2nd call and told them I just got a call from them and listened to the voicemail and also told them they were harassing me. I get calls every week which I'm ok with but same day and within a matter of minutes was not ok. I told them I am paying it soon. I have talked to the manager before letting them know of my situation and she said she noted it several times. The company is United acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NY
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 requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX Acct Number XXXX, XXXX XXXX  XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.

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 2022-09-08
Company: EQUIFAX, INC.
State: NY
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 requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX  Acct Number XXXX, XXXX XXXXXXXX XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
Wells Fargo and XXXX XXXX XXXX failed to provide full proof of full disclosure to all matters dealing with loan and said agreement and contract as required by law in the Truth in Lending Act. Fraud of inducement has been committed willfully by the original lender in executing the contract through their lack of full disclosure. In regards to acknowledging the fraudulent activity, I exercised my right to rescind my contract by certified mail and no further action has been taken by either party. Original loan date is XX/XX/XXXX. A complaint was filed to XXXX XXXX on XX/XX/XXXX and to Wells Fargo on XX/XX/XXXX. XXXX XXXX XXXX has not responded. My property has also been repossessed unlawfully on XX/XX/XXXX. Proper documents were not sent following the repossession.

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 2022-09-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I went to a local Chase branch and deposited two cheques that are endorsed to me by my parents. On XX/XX/XXXX, chase closed my checking account and they told me I cant get the cheques back and they cant issue the amount to me as well. They told me to contact IRS to reissue the cheques. On XX/XX/XXXX, we got the response from IRS saying that the check has been paid to the bank and denied the claim of check reissue. Today XX/XX/XXXX, chase said they cant help me further. The moneys still with chase and they wouldnt release the funds to me. The only way is to talk to IRS and tell them to recall the cheques and get them reissued. I have been going back and forth between IRS and chase branch to get my money back, but they both denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently submitted a complaint and only work done was 'spoke to client ', Closed. 
Do I get to see response? Did company respond to length of time they're taking to just increase the amounts I'll owe? Did company respond to # of requests that are not 'updating ' but confusion over who has received what? Did company respond to why this process is in its 9th month? COMPLAINT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation