BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification that Midland Credit Management placed a collection on my credit report. I have had a payment arrangement in place since XX/XX/XXXX and six months later Midland Credit Management decides to place a collection on my credit report. Midland website even says, and I quote : " MCM believes in fairness and transparency around credit reporting. We do not report to credit reporting agencies for accounts that are more than two years old ( based on the date of delinquency ) and paid in full ( including accounts paid in full for less than the full balance ). 

We also dont start reporting on new accounts if your payments begin within three months after we send our initial letter and you continue making payments every month until the account is paid in full ( or paid in full for less than the full balance ). '' This account is over two years old and I have been paying the agreed upon amount every month for the last six months. Midland Credit should not be reporting a collection to my credit report for an account that I have been paying on faithfully. I have not received any notices or communication recently about this debt before being placed on my credit report. 

We are in a pandemic and I am barely making it financially yet I still make sure the payment is received every month. 

It does not make sense to add a collection to my credit report after payments have been made already to resolve this debt. Especially 6 months later. 
I want this collection from Midland Credit Management deleted from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
I have an amazon chase card. There was a fraudulent charge happened in XX/XX/2020. I reported the charge and they took care of it. But in the first week of XXXX that same charge was rebill to me. Ever since I have noticed that charged again, I have tried calling chase numerous times but I have been dragged from one department to another with no help what so ever. They told me to email the fraud department which I did last week since than I havent heard anything back from them. Customer service takes ages to come on phone and when they do they only say they cant do anything and they refer to fraud department. 
Fraud department dont do nothing about it no reply or nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
american express called my ex husband today and told them of a balance i owed. according to the fair debt collection practice act, you can not disclose this info to ANYONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CCS Financial Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just happened to check my credit this last XXXX and saw that a collection had been sent out in my name. After a short investigation XXXX XXXX confirmed with me that it was indeed a fraud situation and even sent me confirmation. But that was back in XXXX XXXX  XXXX. Here were are in XX/XX/XXXX and it's STILL on my report and I will need to take out a loan in the near future but won't be able to because of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Please see attached

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 2019-07-09
Company: ERC
State: NY
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 paid a collection that I had with Enhanced Recovery in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. 
The account in question is ENHANCED RECOVERY a/c # XXXX reporting as a collection on XXXX only in the amount of {$360.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I 've had a Capital credit card for about 2 years. I have always had them make automatic payments deductions from my bank account. The last payment authorized was {$XXXX} per month when their payments were just {$XXXX}. About a month ago I received a notice that I have n't made any payments to the fo
r two months. They have applied late fees charges and were demanding close

to {$XXXX} to bring my account up to date. My problem is that they did n't notify me when they did n't pull out the usual amount without reaching out to me that more money was due. They did n't pull out the {$XXXX} or even contact me to let me know that more was due until two months after the fact and that payment request was already attached with late fees. I do n't have a problem making the monthly payments, but I do n't see why I should have to pay the late fees when they were authorized to pull out the {$XXXX} and should have been contacted at that time
that they needed more of a monthly payment so that I could adjust the bank authorization again.

It was their failure to notify me about the changes prior to the due date so that I could make changes. The reason why I had automatic changes was so that I would n't have to make sure that they got paid and I had one less bill to worry about since it was supposed to be automatically taken from my account.

I have been locked out of my account and ca n't see what they are charging me. Instead they are offering me payment options, but those payment options include the late fees that they inflicted upon me. I should have been notified when it was n't a sufficient amount so that I would n't have incurred these late fee penalties. Now what they have done was alter my credit ratings because I refuse to pay for late fees when they were supposed to take the funds directly from my bank account and should have notified me from the beginning and not wait until they applied two months late fees which is now three months and I have NO access to the account to see what they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: National Credit Systems,Inc.
State: NC
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:
I haven't ignited the account this company is placing on my consumer report. I tried numerous of times to delete this information from my consumer report and the company did comply by removing the alleged debt from my consumer report. However, they are still reporting the account on the other two reporting agencies. Instead of a deletion the company decided to decrease the debt 50 % turning alleged debt to {$3500.00} then months later sent another letter decreasing the debt more, now the debt is {$1700.00}. However, on my consumer report the debt is still reporting {$3500.00} which is misrepresentation and additionally ignoring my originally request which is to have the alleged debt deleted. I haven't received any supporting documents stating that I started the alleged debt or how the debt was verified by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: ZIONS BANCORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a refinance of a loan with Vectra Bank since XX/XX/2019 and I have not been given consistent loan status after 6 weeks. I am entitled to a consistent loan status.

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 2019-07-09
Company: EQUIFAX, INC.
State: TX
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:
Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX account number XXXX, in the amount of {$240.00}. ( Please see page 7 of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were two separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to one account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I do n't remember specific dates, but I 've requested twice to have them change one of my security questions : " Where were you when you first heard about XX/XX/XXXX? '' Of course I remember where I was, but I ca n't remember exactly what I put and as the question requires an exact answer, I ca n't get it. This is a frustration for me and there have been times that I was blocked from logging in. When I have previously requested a new question, I never heard anything from Ditech.
This is also just another example of Ditech 's complete unwillingness to treat its customers like people. I did not sign a mortgage with them, it was bought by them. I would NEVER willingly sign to have Ditech as a mortgagor. In fact, they are so horrible that if I ever take out another mortgage, I will have a clause written in that forbids Ditech or any subsidiary or such from ever buying my loan. This mortgage was bought by Greentree which later changed its name to Ditech, probably because Greentree had accumulated thousands of negative reviews. Ditech is on the same path.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchase two XXXX gift cards from XXXX located @ XXXX XXXX XXXX in XXXX XXXX NY XXXX on XX/XX/XXXX. In XX/XX/XXXX I went to make a purchase at retailer and found out that the purchase was being denied. I therefore looked up the history of purchases via the website listed on the cards XXXX and found transactions on both cards which were not performed or authorized by me. Thereupon I called the customer service # listed on the back of the card and filed all the necessary paperwork with them and sent it to them @ fax # XXXX. I contacted them numerous times after to find out the status of the dispute. I was told to send further information which I did on XX/XX/XXXX again I sent information regarding the fraudulent charges via fax to the number ( XXXX ) which I was given. On XX/XX/XXXX I received a letter from the company ( XXXX XXXX XXXX, XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, SD XXXX confirming dispute and requiring me to sign the document and send back. I did so and sent the document back via fax on XX/XX/XXXX. Since then I have contacted the company numerous times @ XXXX in XX/XX/XXXX and XX/XX/XXXX and was told repeatedly to call at a further date. As of today 's call ( XX/XX/XXXX ) I received word that no action has been taken since my last call of XX/XX/XXXX and have not received a resolution and reissuance of funds back to me. Please help me in this matter. The giftcards are issued by 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 monetary relief
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: TX
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 filed a dispute with Equifax on XX/XX/XXXX over fraudulent inquiries I noticed on my credit report. They did not remove them, and I filed another dispute on XX/XX/XXXX. I contacted them by phone on XX/XX/XXXX and they told me they could not remove the fraudulent inquiries without a report. 

To date, I have at least XXXX fraudulent inquiries on my Equifax credit report that are hurting my credit score. 

I was able to contact XXXX and XXXX, and they removed fraudulent inquiries from their reports. Equifax is the only credit bureau that refuses to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: NC
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:
My husband and I requested credit investigations with Equifax back in late XXXX. Well over 30 days have passed. My husband received his credit investigation results but I have yet to receive mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-04-24
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute the following information Regarding XXXX XXXX company which send me to collection for ' {$170.00} the company name is Receivables Performance Management which is showing on my credit report and I disputed with XXXX, I send documents to proof I pay My last XXXX bill. 

I never was notified by Receivables Performance Management in writing that thy are collecting on behalf of XXXX, I found out that when I run My credit report the was a collection for {$170.00}, I try to resolve this charge with XXXX prior to this, I spoke with Coustomer service Of XXXX, Many times, and Told me that my credit card company XXXX XXXX had paid the bill for {$110.00} for he last payment, since I switched Cellular Provider, I was not on a contract with XXXX XXXX I was paying month to month an I was with them For two years, I never skipped payments, I had them on Automatic withdraw out my Credit Card every Month. I was keeping tell them that they got pay by my credit card company, I told them to update the record, I send documents, such as payment supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Blackhawk Network Holdings Inc.
State: OR
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:
On XXXX of XXXX  I filed a dispute for a charge for a service I never received /item never received and submitted all required documents in timely matter when requested and investigation has taken over 6 months which breaks the prepaid card rule and i was never updated every time I called and was told I would have a resolution by the end of day each time I called and no one contacted me and they said I didnt need to do anything else. This is predatory abuse of consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: Paypal Holdings, Inc
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paypal let XXXX XXXX Bill me using wrong email address i have on file for login, receive funds.The email XXXX  XXXX XXXX is mind, but not for paypal.Invoice sent to paypal for {$190.00} on XXXX XXXX say past due.Invoice # XXXX Name XXXX there email is XXXX and had Note to customer Your Order of XXXX XXXX placed successfully kindly do the payment of {$190.00} To XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as one in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Consumer Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have had a situation where my car was already repossed by consumer financial services. i paid the balance within the 21 days i have to regain ownership of vehicle. within a week the manager XXXX had already sold my vehicle and taken the belongings in vehicle. Her responds was im not petty and the vehicle was never sold anywhere to my knowledge she resold my vehicle to XXXX XXXX.it took her a day to return the vehicle. i have recently felt behind one payment and explain to her i was gon na make both payments together again her responds was you can walk to work your a XXXX  your life is a XXXX.she has her employer XXXX call me atleast 20 times a day. she has request to garnish my paycheck already and text messages me from her personal cellphone pretending to be the legal services of the company. she says if your a week behing i can and will take you car. she haa even called other people regarding my account and asking for me.ive looked online and noticed she has pleny complains and has threaten others with deporting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been targeted in FRAUD. I received a letter of Insufficient funds/returned items from BMO Harris bank . I did not have an account or opened an account with BMO Harris Bank. I wasn't aware that an account was open in my name until I received this statement of insufficient funds. The fraud amount was {$1400.00} with the balance amount of {$1800.00} according to BMO Harris records. This is FRAUD. This person should be Penalized... Please Advise.

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