BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: ACIMA CREDIT, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Constant calls of harassment after I have advised them to stop calling me. I asked them to revise my account they refused. I purchased some articles from a store around {$2000.00} in price paid down the loan to less than {$700.00} was contacted by the company and they advised that I owed the amount of {$2800.00}. The amount owed is more than what was purchased and the amount owed has not even subtracted the money paid into the products bought. They contacted me and advised I can pay the {$2800.00} or pay a settlement of {$800.00}. I said the settlement is actually more than what I actually owed with all the payments that was made to this account this company is abusing the credit system charging customer XXXX XXXX in interest and even when the account is closed they will continue to add interest and fees onto the account which is against the fair credit lending act to the consumer. Please investigate this company for predatory lending practices. Harassing their customers by constant calling without the customers approval knowledge or consent. There are more than XXXX accounts this company has been manipulating the fair lending act and not abiding by the laws that they know they have been not following by continuing to engage in predatory lending practices of calling their customers more than once sometimes XXXX or XXXX times a day. Engaging in constant calling when they were advised to stop calling me. I tried to settle the account only to be told if I did not pay today I would be called again. I advised them to stop this and they advised they will continue to call me. They have already advised me and yet they still call and harass me. Therefore violating the fair credit act that they are not abiding by failure to follow fair credit laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
Company: Resurgent Capital Services L.P.
State: TN
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 noticed a debt under collections listed on my credit report in the amount of {$1000.00} from a company I did not recognize. I mailed a certified letter on XX/XX/2022 to LVNV Funding asking them to verify the debt and have not received any type of correspondence or response from them in 30 days.

I have never heard of this company, nor have I had any contact with them. I have never received any correspondence by mail, email or phone from this company. They just showed up on my credit report one day. In researching, I found out that they have a third party vendor ( Resurgent ) that collects the debt on their behalf. I have never heard of this company either. I sent a debt verification request letter to LVNV Funding since they were listed on my credit report as the reporting agency. It's been 30 days, and I still have not received a response from either company concerning my debt verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a prepaid card from XXXX ( XXXX XXXX ). 

On XXXX XXXX I went to a Bank of America atm to withdraw {$800.00}. The machine had the option to get it in {$20.00} bills or {$50.00} bills, I chose to get it in {$50.00} bills and the machine gave me {$320.00} ( 16 {$20.00} bills instead of 16 {$50.00} bills ). 

Then tried again, thinking that it was a problem with not having {$50.00} bills, to withdraw {$200.00} in {$20.00} bills and it gave me {$120.00}. 

Asked for a receipt for both transactions but the machine didn't print them. Also, the machine went out of service after my transactions. I have photos of the out of service ATM and a photo of the ATM id #. 

Tried to reach BofA but they simply redirected me to my bank, XXXX XXXX. XXXX XXXX credited the account temporarily with {$480.00} for 1st transaction and {$80.00} for 2nd transaction ( XX/XX/2020 ), but after a month they took the money back ( XX/XX/2020 ). 
On XX/XX/XXXX, received an email from XXXX XXXX saying that there was no error, even though I gave them the ATM id and explained that it didnt gave me receipts and showed that the machine went out of service after my transactions. There must be some type of log that shows that after my transactions, the machine went out of service, and showing that the ATM had too much money in it. 


Had a negative balance since the credit was reversed until I received the 2nd stimulus, now only have {$55.00}, lost most of the relief stimulus because of a BofA ATM error that seemed to be ignored by both banks involved.

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 2023-10-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Starting XX/XX/XXXX, our mortgage went up from XXXX usd to XXXX usd because Fifth Third Bank somehow CHARGED DOUBLE for the property taxes. 

We wrote and called. We sent an email XXXX XXXX back in XX/XX/XXXX, and 4 more times after that- as instructed - and never heard back from them. 

Fifth third bank charges us {$300.00} more per month on mortgage since XX/XX/XXXX because they assumed that they received XXXX property tax bills from XXXX XXXX for the year of XXXX. 

This is INACCURATE. 

Please see the explanation below by XXXX XXXX " The screenshot you included in your email appears to be a projection made by your mortgage company for the XXXX tax. The XXXX tax assessment has not yet been finalized by the Department of Tax Administration, but it should be available around the first week of XXXX. '' XXXX XXXX also attached a screenshot of the ONE property tax bill for XXXX, due XX/XX/XXXX. Since we already paid that in the escrow account : Fifth Third needs to make that payment. 

We have called the customer service about 10 times and each time they asked that we emailed the issue to Fifth Third Tax Dept at XXXX. 

WE NEVER HEARD FROM THEM EVER. 

We keep paying {$300.00} extra per month with no end in sight. We want to file a complaint - and if that is not enough, a legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and TransUnion ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 XXXX  : {$420.00}

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 2023-11-15
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Third warning Dear XXXX, I am writing in response to your letter regarding Case # XXXX. I am XXXX XXXX XXXX XXXX and i am contesting the allegations made in your letter. 

Firstly, XXXX XXXX insists that he is unaware of the debt you claim he owes. The mere mention of a " charge off '' does not validate the debt. We require further proof of this debt, including the original contract, a detailed payment history, and a full set of billing statements. While you argue that these are not required under the Fair Debt Collection Practices Act ( FDCPA ), they are essential in confirming the legitimacy of the debt. 

Secondly, XXXX XXXX disputes that he received the validation letter you claim to have sent on XX/XX/2022. The fact that the letter was not returned as undeliverable does not necessarily mean it was received by XXXX XXXX. We request proof of delivery to confirm that the letter was indeed received by him. 

Thirdly, XXXX XXXX 's phone number is registered on the national XXXX Not XXXX XXXX. Your assertion that your company is not a telephone solicitor and does not engage in telephone solicitation does not exempt you from the FDCPA 's prohibition on contacting consumers at inconvenient times or places. If XXXX XXXX did not give you permission to contact him, any calls made to him could be considered a violation of the FDCPA. 

Furthermore, we have become aware of unauthorized use of XXXX XXXX 's personal information, which is in violation of the provisions set forth in XXXX XXXX XXXX, also known as the XXXX XXXX ( XXXX ). This law protects the privacy and security of individuals ' non-public personal information. We demand that you immediately cease and desist from any further collection, disclosure, or use of XXXX XXXX 's personal information. Failure to comply with this demand will leave us with no choice but to pursue legal action. 

We request that you provide us with written confirmation within XXXX business days from the date of this letter, stating that you have ceased all unauthorized activities involving XXXX XXXX 's personal information and that you will take all necessary steps to ensure the information is securely destroyed or returned to XXXX XXXX. 

In conclusion, we demand that you provide further evidence to validate your claims. Until such evidence is provided, we maintain that XXXX XXXX is not obligated to pay the alleged debt. We anticipate your prompt compliance and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/2023 I made a purchase for a XXXX XXXX XXXX for {$160.00} on my Kohl 's Credit Card for store pickup. I was unable to pick it up so the item pickup expired within a week on XX/XX/2023. On XX/XX/2023 the store did a return and refunded {$160.00} to my Kohl 's Credit Card. Also at the same time, on XX/XX/2023 the store charge my Kohl 's Credit Card the original amount for {$160.00}. So I never received a refund. Since XX/XX/2023, I have contacted Kohl 's customer support via chat and phone calls numerous times to resolve the issue. Each time, I am force to explain over again the issue to costumer service. I have been told on three occasion that I would receive a letter in the email explaining the issue and a refund will be coming. I was told by customer service that I still need to make the payments to my Kohl 's Credit Card for an item that was never received to avoid late payment charges. Which I did make a payment on already. Last communication on XX/XX/2023 via chat, inquired and had to explain the situation again and inquire about the refund status again. Was told to contact customer service team at XXXX again and to expect a letter in the mail. Never received any letter in the mail and no refund for {$160.00} to my Kohl 's CC for the item I never had in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I purchased 2 tickets on XXXX XXXX in XX/XX/XXXX, {$1800.00} charged to my Capital One Visa. The flights from XXXX to XXXX, XXXX, returning from XXXX, XXXX to XXXX ( XX/XX/XXXX, returning XX/XX/XXXX ) were cancelled when XXXX and XXXX closed their borders due to the Corona Virus. 

I purchased the tickets on-line thru XXXX XXXX, a XXXX, XXXX on-line travel agent. XXXX airlines refunded the cost of the tickets to XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX as of this date ( XXXX XX/XX/XXXX ) has not refunded the charge to my Capital One Visa. 

For the last 9 months I have written letters and countless emails to Flight Network ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ON XXXX XXXX, XXXX ). 

XXXX XXXX does not respond to letters and emails, and does not answer the telephone. 

I have tried to have Capital One reverse the charge but they have refused, deferring to XXXX XXXX which states that refunds are at the airlines discretion. Since XXXX has refunded the ticket prices this is nonsense!! 

Capital One refuses to take action. I have previously written the XXXX of Capital One asking for help, but with no response. 

Both XXXX XXXX and Capital One should be sanctioned for this complete disregard of customers rights and US law. 

I have no recourse other than appeal to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft are listed in this complaint.

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 2023-01-16
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Collection was opened on XX/XX/2022 {$120.00} owed Collection company name is Caine and weiner out of XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a loan through TD Bank for my business. The loan is backed by XXXX. When we did our business plan we asked for {$50000.00}. They only allowed us {$25000.00}. when we finally received the loan, which took forever, renovated the building and then applied for XXXX two common license us. From XXXX, when we got the loan until XXXX XXXX did not come out. XXXX took 5 months to give us our license. it only takes 45 days to become licensed. XXXX fired the lady who did this to us but, we are still in a bad situation. We ask the bank to increase our loan and work out a repayment with us. But they refuse to connect with us. speaking to other lenders, they said that this Bank did I said end justice anyway. Now we are requesting for more funds and to work out a different payment arrangement. We have now become behind on our rent by {$3300.00}. TD Bank should be made responsible for answering consumers questions and making sure that they are knowledgeable of what they're doing. The reason it took so long for us to get our loan is because they kept telling us we were approved and then telling us that they need additional paperwork. My loan officer kept saying she didn't know what she was doing. I feel like they shouldn't have new people in that position if they don't know how to do the job

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion allegedly committed : 1. Unauthorized Credit Inquiries ( starting from 2019 on monthly basis till present day ) & 2. willful violation of FCRA As a result of their violations, I was being turned down on : 1. Apply for a merchant account 2. applying for a credit card with the XXXX 3. not able to get a unsecured credit card.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Attached are copies of my state ID. Warm Regards. 
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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AA
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:
Every 2-3 months for the past two years my TransUnion XXXX score fluctuates by 30-36 points. In the past, I have requested full credit reports, but there is no clear information as to the frequent and large fluctuation. I called TransUnion and the agent said it's because I have no real estate credit -- I've never had real estate credit so this clearly doesn't explain the constant 30-36 point jump from month to month. She also said that it was because the age of my oldest line of credit is too new. My oldest line of credit is more than 15 years old and that account hasn't been close, nor is it reported as closed in my TransUnion account, so this doesn't explain the frequent jump in credit. The only change from month-to-month is credit usage, with is almost always between 0-3 % -- again, doesn't explain the jump. The agent then told me that I need to just order a new credit report because she couldn't explain the factors in my case. She said the company " uses math tools '' to calculate and that why there's a fluctuation.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-01-16
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had some money stolen from my account on XX/XX/2XXXX XXXX XXXX XXXX  I file a disputed because I did not know the money was credited back to my account until cash app brought it to my attention and cash denied my dispute saying I authorized the transaction so I been requesting documents asking to show I authorize this transaction where cash app refuse to send me documents I had some information stolen from me that was in my phone pouch my cash app card my debit card my house key my driver license and also I have an email where my pin was change where somebody use my device to change my pin while I was sleeping over a friend house

Company response to consumer: Closed with explanation