BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.

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 2018-05-16
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX scam : I'm sure this isn't the first one that has been submitted as a scam. Poster claimed he would sell me XXXX / XXXX game 2 tickets for {$650.00} for 2 tickets. I tried everything to detect a scam - called him, asked for confirmation # 's ( to which he created a fake customer support line for XXXX ticket office and doctored emails ... ). I decided to trust him. When I sent the money, he deleted his text.me phone # and stopped responding to emails / calls / texts. My contention is that his name is fake the name he gave me, XXXX XXXX, is not the same name associated with his voicemail ( I found out later ) and I would wager not the same name he has on his bank account. This violates XXXX XXXX T & C and therefore, the transaction should be void. I contacted XXXX and they told me there is nothing they can do. There is a clear lack of consumer protection and anti-fraud protection with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 an alert from my credit report that XXXX XXXX reported a collection that showed up on XX/XX/2018. 
It seems like Midland bought my debt from my former creditor but I was not made aware I have a new number and moved last year I contacted Midland once I found out I had that debt that knocked down my FICO score 40 points. 
I explained that I was not contacted due to the institution not having the correct information. I provided them updated information. 
I spoke to several people and I was unable to come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I had called XXXX XXXX XXXX Customer Service, spoke w/ Mr XXXX XXXX I told him to please cancel my XX/XX/XXXX) Account number XXXX and which he proceed with my request, had canceled my account. 
After paying OFF my last billing with my XXXX XXXX XXXX XX/XX/XXXX account, I was shocked to received XX/XX/2020 billing statement stating that I still owe my XX/XX/XXXX) account in the amount of {$82.00} so I had immediately contacted XXXX XXXX XXXX Customer Service, I spoke w/ Ms XXXX XXXX she assured me, she will update my account appropriately. But she had failed to do so. On XX/XX/2020, I had mailed my 2nd Dispute letter regarding this already paid services, But to no avail from XXXX XXXX XXXX. On XX/XX/2020, I had contacted XXXX XXXX XXXX Customer Service in the hope to RESOLVE this problem. But instead Mr XXXX instructed me to contact XXXX Customer Service Directly to update my XXXX XXXX XXXX XX/XX/XXXX Account. Per Mr XXXX at XXXX Customer Service said he will fix and update my account and he will mail me a copy of final billing statement dated XXXX XXXX reflecting XXXX $ XXXX XXXX ) balance and I had immediately notifiedXX/XX/XXXX by telephone and via U.S. Mail letter, both were ignored by XXXX XXXX XXXX. Instead of updating my account balance was paid in full, XXXX XXXX XXXX referred my account to SEQUIM ASSET SOLUTIONS, LLC ( Debt Collector ). I had replied to their demand letter of XX/XX/2020, simply ignored the fact that is account had been paid in full and had a XX/XX/XXXXbalance. Recently, I just received another demand letter from SEQUIM dated XX/XX/2020 and once again did NOT response to my Dispute letter of XXXX XXXX. 
I am totally stressed right now created my XXXX XXXX XXXX and SEQUIM Asset Solutions, LLC Please advise Thank you and Happy Holidays!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.

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 2018-01-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage was transferred to XXXX XXXX XXXX XXXX  on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since year XXXX, and year XXXX XXXX. 

I have made numerous requests with legal documentation provided to have Equifax LLC change and update my legal name on my credit report. The full name that appears is inaccurate.

Equifax LLC has refused to acknowledge and/or make requested change. Equifax LLC credit reporting agency continues to report wrong and inaccurate information about me and has caused loss and difficulty in obtaining credit and mortgage loans because of reported inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Atlanticus Services Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX/FORTIVA Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, my wallet went missing with a number of credit cards. I think it was at XXXX as I last used a ( different ) card at the framing counter in the back of the store. The thief/thieves/individuals used several cards to make unauthorized purchases/transactions at XXXX XXXX and one at XXXX that successfully went through as I was simultaneously cancelling cards upon discovery of the missing wallet. Between XXXX XXXX, as I discovered the charges, I contacted or followed up with the banks the charges were made. Bank of America for my Visa ending in XXXX was one of those, for a charge of {$960.00}. ( Noteably, one other card was used for the same amount at XXXX XXXX and another card was used for a {$590.00} charge at XXXX XXXX all within 30-45 minutes since I last had my wallet and noticed it missing. ) On XX/XX/2021, Bank of America sent me a letter denying my fraud claim, further opening the wound by saying I " agreed to assume responsibility for the balance of {$960.00} ... '' I did no such thing. 
I appealed that decision via phone, speaking with customer service rep XXXX. I gave the police report number. # XXXX XXXX with the XXXX Police Department. 
On XX/XX/XXXX, I was sent another letter, denying my appeal and saying their decision to decline the claim hasn't changed. It said " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' There are no other authorized users and I did not use the card to make the purchase or any purchase at XXXX XXXX on that day or the days leading up to it. '' If the physical card was used by an unauthorized user that should not make me responsible for it. Bank of America claims to protect consumers and holders of their cards, but in this case they have not held up their agreement. I request/beg that you take action. If I made the charge, I would totally accept it, but this is further victimization of a crime and is incredibly unjust.

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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all above 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 explanation
Consumer complaint received 2021-07-19
Company: The CBE Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call today ( XX/XX/XXXX ) attempting collect a debt that I do not believe is mine. The creditor could not give me any information about the debt with the exception of the original bank name, and amount due. They gave me access to log into my online account. There was very little information in the online account ; however, I called back once I discovered the first name on the account was wrong and the address was 15 years old. The account is not on my credit report. I have never received any information regarding the debt and have no knowledge of an account being opened in XXXX, as I had a federal saving account in XXXX and am being told this is originally a XXXXXXXX XXXX account. When I called back I was told I could dispute it with the company, but it would likely be sold to another debt collector who would attempt to collect this debt. This is past the statute of limitations for XXXX XXXX where they say the debt is coming from, and the statute of limitations in the state where I live, XXXX I had my identity stolen in XXXX of XXXX and they are stating this account is from XX/XX/XXXX but have given me no information with the exception of a log in to pay the debt amount. I believe this company was deceptively trying to get me to reactivate an old debt that does not even belong to me. The attached file is the only communication I have ever received regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a gift card with a {$97.00} balance. American Express sent me a letter asking that I fill out a form in order to get my balance refunded. 

This was over a year ago. Since then, I have tried every which way to get them to reimburse my funds. I have contacted them numerous times. I have filled out the forms they keep sending me ( they've now sent me 4 forms - the first 3 were the same one that I already filled in and the 4th was different ). 

It is clear this financial institution is not complying with the law. They are giving me an endless runaround, with the assumption that I'll get tired from it at some point and will just drop it. 

Please help me hold American Express accountable for their refusal to return my funds. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: LA
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 have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure their is no fraudulent activity.

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 2021-02-16
Company: DISCOVER BANK
State: CT
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:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I filed a FTC complaint and the account was not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Ashton & Weinberg, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a fax from a Law Firm in Rhode Island claiming that our company was named in a Federal law suit where freight hadn't been paid on orders shipped. When I looked into the matter I found that the company they were claiming we were indebted to ( XXXX XXXX XXXX XXXXXXXX XXXX ) had been paid up front for freight at time of order. The company that contacted my company said that we were still liable since the company that we ordered didn't pay their freight company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We applied for re-entry permit to XXXX and paid two cheques of {$660.00} for my wife and I. The purpose of this application was to start my medical treatment in XXXX which is expected to exceed the time allowed for green card holders traveling out of USA. Our application was made on XX/XX/XXXX and cheques were written on XX/XX/XXXX. We received a letter from chase bank on XX/XX/XXXX by post, the letter dated XX/XX/ stating that our account has been closed for the reason that we did not provide information they requested. There was no prior intimation or information given to us about closing our bank account. 
The aforementioned letters requested our social security numbers as well as the XXXX forms. These were filled and sent out immediately by the return envelopes provided. There was no delay in response from our side. The bank also took copies of our social security cards when we opened the account. It was a joint account for both of us. 
Due to this negligence, our checks were bounced and XXXX has now rejected our application with the reason that the check was returned by my bank. Despite maintaining the required balance at all times in our account and adequate available balance in our account whilst writing the cheque, our accounts have been closed causing a delay in my medical treatment and prolonged the pain in my XXXX. We will also have to return to the USA midway through my treatment and then travel back to XXXX to complete it. 
Implications of this closure. 
1. Delayed medical treatment and failure of our plans 2. Damage to our credit 3. Extra cost of 2 plane tickets due to increased travel 4. Penalty of {$61.00} paid to XXXX for their service fee We request you to please look into the detail of this matter and take the appropriate action so that other customers do not suffer due to this unprofessional behavior of the bank. Also, I request you to compensate us for the losses we have to bare due to banks irresponsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I attempted to send {$750.00} through PayPal. The transaction status went to " pending/currently being reviewed '' immediately after I authorized the transaction. This is the same recipient that I had sent money to 4 times previously without hiccup. 

On XX/XX/XXXX, I received an email from PayPal asking for the date of birth for a person mentioned in the note that I sent along with {$750.00} ( see attachment ). Date of birth ( DOB ) is a piece of personal identifiable information ( PII ) that is protected by California Consumer Privacy Act ( CCPA ), and PayPal has no right to ask for this information without justification. 

I subsequently asked PayPal to cancel this transaction and return my money by sending several messages through PayPal app and two phone calls ( see attachment ). I was told that the transaction was under " compliance review '' and the compliance department does not talk to individual consumers like myself, or offer any explanation other than already provided. I asked for specific regulation or law that mandates PayPal 's " compliance review '', and was pointed to PayPal 's user agreement on PayPal 's website that gives one paragraph vague description of their payment review with no specific law cited that gave them justification to ask for DOB. I asked for an estimated time of completion of their " review '', and PayPal refused to comment on the timeframe, or offer any alternative solutions, or inform me of next steps. PayPal insisted on completing the " review '' for a transaction that I asked them to abort. PayPal did not give clear indication if or when they will return my money, if or when the transaction will go through. In the meantime, PayPal appears to intend to hold my money indefinitely. 

I did not purchase any goods or services from PayPal. I was trying to use PayPal as an online platform to send money electronically to a third party. PayPal failed to fulfil its services while holding money that does not belong to them. Customer communication was very poor, and PayPal is not acting in the best interest of consumers. PayPal is simply using " compliance review '' as an excuse to benefit itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my XXXX 's account in XX/XX/2012 after returning faulty bedding, XXXX 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX 's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.

Company response to consumer: Closed with explanation