BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted from an block number. The voicemail used law eforcement language and threatened criminal charges for not calling back. It also provided a citation type " case number '' XXXX. I called and they answered XXXX XXXX XXXX. They stated they were a law firm in XXXX XXXX, California. He told me I owed money for a car I never owned and that XXXX was suing me if I didn't agree to settle. I told him I didn't remember the car and he said the last recorded payment was in 2009 and the car was repoed the same year. He kept trying to get me to agree that I owed the money and kept threatening me with wage garnishment, etc. When I told him I was done with the call, he told me to expect a lawsuit. As I understand it, Florida has a XXXX year statute of limitations and debt collectors are not allowed to pose as law enforcement or make threats of actions they have no legal basis to make. I looked online and found countless people sharing similar stories about this exact company or scammer. Someone should look into this. 

I called again after hours and the voicemail states XXXX XXXX XXXX. I called again in office hours, and again, they answered the phone XXXX XXXX XXXX. I have filed a complaint against XXXX XXXX XXXX, but it seems they are using a DBA or a false name. 

P.S. I wanted to upload the threatening voicemail but the upload function is not working. Here is the transcript : " Attention this message is intended for XXXX XXXX this call is pertain to case file number XXXX my name is XXXXXXXX with the county XXXX division call with a notification that legal documents requiring your signature if you will not be available to sign if any changes need to be made to the time day or location of service for more details please contact issuing your case. If you do not respond to this a failure to appear will be issued in your name ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, at XXXX XXXX  I gave a delivery driver a tip for {$12.00} on a check. The date on the check was XX/XX/XXXX. 

On XX/XX/XXXX, the check was cashed for {$1200.00}. The check is clearly altered. The word line says XXXX XXXX with XXXX written over dollars. The box says {$1200.00} On XX/XX/XXXX, I reported this as fraudulent to XXXX. The fraud department said they may have to close down my accounts. No information was given as to when. In this initial conversation I was told I'd get provisional credit ten days after I submitted the documents needed to fraud. 

On XX/XX/XXXX, I arrived at my bank to get money out. I asked the teller if I could still remove funds given what had been told to me by fraud. He assured me nothing would change on my account. 

In the following week, my account was shut off. I had to run to get everything changed for vendors and direct deposit. My work was switching over their payroll system and I had to run in to change things. I updated that on XX/XX/XXXX. My phone was turned off before I realized my account was closed. I updated my mortgage payment one day before it bounced. 

In subsequent conversations, I was then told that I needed to submit the documents within 10 days or nothing would be returned. I did not receive the documents until XX/XX/XXXX. I was told I opted to have them mailed. So I was under the understanding that I have the remaining business days of this week to get that in. The documents clearly state I have 30 days to get it in. 

Then I followed up with bankers this week. I was concerned about whether payroll would have been updated soon enough. In these conversations, I was told that I would not be given any provisional credit and that my home branch could opt in their discretion to give me back a portion until I got by. I was then routed to the XXXX XXXX XXXX  location that does not even have voicemail. 

From XX/XX/XXXX through XX/XX/XXXX, I was hit with three I've overdraft fees of {$36.00}. No mention to me that I wouldn't have the bounce protection I had on my old account. Even if I had been informed, I was running all over town making sure I wouldn't be in default. 

I informed USBank the predicament with the XXXX branch being closed. I was then informed that I was in the private client group and maybe that they would give me credit in their discretion. I spoke with them. They set up an ACH redirect for the old account to the new account. They were unable to tell me when I would get that ACH redirect. One person told me on Tuesday, XX/XX/XXXX would be the earliest. 

Now I realize there is less protection for paper fraud. But how in the world is this permissible? How can their very clear error be so egregiously be set on me to the point I'm paying more than {$100.00} in overdraft fees?

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 monetary relief
Consumer complaint received 2023-04-13
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received the attached attempt to collect a debt from McCarthy , Burgess & Wolff ( XXXX, Ohio ). They are attempting to collect a debt from a defunct corporation, XXXX XXXX XXXX XXXX, but THEY HAVE CHANGED THE DEBTOR NAME TO MY PERSONAL NAME. 

This is not a personal debt. This was for registered agent services for XXXX XXXX. 

I notified their client XXXX XXXX by email on XXXX XXXX, 2022, that the business closed down on XX/XX/2022. They refused to cease services. ( see attached email )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
1 ) with Amex : I placed an online order with XXXX XXXX XXXX on XX/XX/2023 for a computer monitor, {$430.00}. A few days later, the shipping number showed package was delivered BUT I didnt see my package in my mailroom/any surrounding areas. I contacted the merchant and XXXX said since shipping company showed delivered they can not do anything. Then I called my bank, Amex, to dispute this payment. However Bank said because Merchant told Amex the shipping number showed delivered Amex can not help and Amex has to close this dispute. 

2 ) our building has stolen packages all the time because we dont have front desk person. But it doesnt mean customers should pay $ $ $ for nothing. Need this money back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY XXXX XXXX EQUIFAX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: JPMORGAN CHASE & CO.
State: GA
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:
XX/XX/2019 I booked a rental car from XXXX through XXXX for my parents vacation in XXXX. The total cost was XXXX USD including all taxes and fees as indicated on the confirmation ( attached ). This reservation was refundable. My parents and I could cancel it at any time before picking up the car. 

XX/XX/2019 My Chase credit card was charged {$600.00} by XXXX. Because I did not recognize this company and believed it is a different company from Dollar ( where I booked the car from ), I filed a fraud case with Chase immediately. Chase reversed the transaction and issued me a new credit card. 

Meanwhile, I contacted my parents and they told me what happened. XXXX represents XXXX in XXXX and the {$600.00} charge was made by the XXXX agent. 

When my parents arrived at the rental car company, the staff asked for my parents credit card and charged XXXX XXXX, including a XXXX USD premium XXXX XXXX receipt attached ). The staff did not ask my parents permission and explain the change details before she swiped the credit card. XXXX is not mandatory for rental cars in XXXX and the Chase Hyatt credit card does cover the same insurance. Therefore, my parents refused to sign the receipt and requested a full refund. XXXX agreed to refund the full amount of charge ( XXXX USD ) within four business days ; however, they never processed the refund. 

XX/XX/2019 I reach out to XXXX and XXXX since XX/XX/2019, to try to resolve the problem. Unfortunately, both companies failed to process the refund. A copy of all E-mail conversations is attached. 

XX/XX/2019 Chase turned down the fraud case and recharged {$600.00} on my credit card. The bank believes the transaction was not fraudulent and asked me to file a dispute instead. On the same day, I filed a dispute and submitted all required documents requested by Chase including the rental car confirmation page and bill. 

Since XXXX Chase reached out to me and told me that they were not able to process the dispute because the transaction occurred more than two months ago and the XXXX insurance was mandatory ( which is wrong ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NJ
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 XXXX, my discovery revealed XXXX, XXXX XXXX, Equifax, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. 

Identity thieves exploited a security weakness in the website of XXXX. XXXX requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I made my monthly XXXX Mortgage payment of {$370.00} to Select Portfolio Servicing. This payment was not due till XX/XX/2021. On XX/XX/2021, I logged in to make my 1st Mortgage payment and noticed that the XXXX payment had not been applied. I called SPS multiple times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. On XX/XX/2021, I was concerned that they were going to charge me late fees, so I logged in and paid the XXXX payment again. I also uploaded an image of the statement requesting correction in their documents section. That document has since been removed from my account and the XXXX payment still has not been applied as a regular monthly payment to my account. Each time I call they assure me that it will be " done by Monday ''. They applied it as an extra payment even though I marked it online as my regular monthly payment ( the default selection ). I should be paid up till XX/XX/2021 and they were showing due date of XX/XX/2021 until I filed a complaint with the BBB. Now they show that I am past due for XX/XX/2021 and haven't made the XX/XX/2021 payment either. Our loans were written off in chapter XXXX so, I am concerned that they could try to take my home since the payments are showing past due. I have called on XX/XX/2021 after filing the XXXX complaint and spoke with manager XXXX. He assured me it would be completed " within 24 hours ''. It is still not corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Don't ignore my request this time to correct the following inaccurate items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-29
Company: DISCOVER BANK
State: AZ
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:
I bought several mice from XXXX XXXX and later found that they had problems, so I returned them all to XXXX XXXX. XXXX XXXX promised me that they would refund me the full amount within XXXX weeks, but I have not received any money for almost 2 months. 

Because I have not received anything, and XXXX XXXX has never refunded me, I have disputed the purchase with my Discover credit card. However, Discover is being unreasonable and despite providing complete and clear evidence that XXXX  has received my return a long time ago, they have refused my dispute. 

They are requiring me to prove that XXXX XXXX  's policy would have refunded me the full amount in this situation and that the refund would have been credited back to my account. These demands are clearly unreasonable and I am entitled to dispute the payment, I have not received anything, and have proven that I have returned the significantly flawed mice in full. I also attempted to find XXXX XXXX  's policy and sent it to discover, they do indeed promise a 30-day no-questions-asked refund and state that they will refund back to the credit card within XXXX weeks. But discover argue that these terms are not clear enough and do not guarantee a full refund and do not represent a return to the original credit card. 

In my opinion, this is clearly an irresponsible and malicious obstruction. I believe that in this situation, I have actually provided evidence beyond what is normally required for a dispute, and I have communicated as best as I can, but Discover is pushing all the burden of proof on me, I am very disappointed and hope that the CFPB can intervene and investigate so that consumer rights can truly be protected. 

-- -- -- -- -- -- - Here are the XXXX XXXX. detail : XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Merchandise {$46.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Monday, XX/XX/XXXX Transaction Date Monday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE XXXX. XXXX. Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Merchandise {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Saturday, XX/XX/XXXX Transaction Date Saturday, XX/XX/XXXX Merchant Category COMPUTER SOFTWARE STORES Purchase Method ONLINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report 60 days ago.I have not received as reposnse yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, and I want to report an incident of identity theft. Upon receiving a copy of my credit report, I was surprised to discover multiple accounts that I never opened and am unaware of. After conducting research, I learned that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov to remove these fraudulent accounts from my report. I have attached the necessary documents to assist in blocking the erroneous information posted to my report. I need the following items removed as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to Section 605B of the Fair Credit Reporting Act, Credit Reporting Agencies are required to remove any accounts listed on an ID Theft 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 non-monetary relief
Consumer complaint received 2021-10-08
Company: Sunbit, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I needed car repairs and went to the dealership to have those taken care of. On XX/XX/2021 the repairs were completed and I began to finance the repairs. They offer financing through a company called Sunbit. I was accidentally signed up for a six month loan in place of the 12 month that I wanted. I called over to Sunbit the next morning to get the terms changed to the one I intended to sign up for. For reasons that remain unclear, I needed to have the dealership where I got the repairs done to cancel the contract to resign under the terms I desired. After the dealership sent over the new forms ( which are all done through a link sent to my phone number ), I attempted to sign up for the 12 month plan. Each and every time I tried, the contract would show a six month payment schedule instead of the one I had intended to sign up for. On XX/XX/2021 I called Sunbit again and the solution to the changing loan terms was to send over another prequalification link, and have the dealership send over another link to try and receive the loan I intended to sign up for. The same issue occurred. After a third round of calls between myself, Sunbit, and the dealership a supervisor finally was able to sign me up for the terms I wanted. While this is the resolution I desired it took several hours of phone calls between my calls with the dealership, my calls with Sunbit, and the dealerships calls with Sunbit. Having both dealt with other loan companies ( including a concurrent issue with my husband 's car loan ) and conversations with others I feel this is an unfair practice, especially since the terms of the loan are not made explicit on the page you sign, and instead buried in the loan agreement.

Company response to consumer: Closed with explanation