BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a continuation of this complain, XXXX. XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. 

Please review and advise XXXX XXXX XXXX, XXXX XXXX of 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 explanation
Consumer complaint received 2023-02-02
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls from " Midland Credit '' once to twice a day, at least 2 to 4 times a week. I always screen the call or let it go to voicemail, but they never leave a voicemail or respond to my screen. They have called from these numbers the last 4 times they have called this year : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I am sure they use different numbers every time they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: United Credit and Collections Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX, XXXX 2023 United Credit & Collection Re : Debt that isn't mine Dear United Credit & Collection, I have never been contacted by you pertaining this debt I am not responsible for. While checking my credit report, I noticed there was a collection added by United Credit & Collection. This is not nor has ever been a debt I owe. I have no idea what this debt pertains to and have never used the creditor " XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' and have no knowledge of this creditor. I have never received any correspondence from the original creditor or the collection agency. This is not my debt owed and I am demanding it be removed from my name and credit report immediately. I am also requesting you mail me any and all documents pertaining to this debt since I have never been notified by your company that I owe anything. Please record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed and not my debt owed. Please remove this debt that is not owed from my credit report. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: FL
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:
Since hiring the XXXX  XXXX XXXX to represent me to sue companies like Equifax and the nearly 42 creditors who I have enclosed in this report is sad when Equifax doesnt care to follow the FCRA. I have enclosed a FTC report and local Police Report and I am just ignored by the same company that has distorted and continues to frivolously report a collection account after making multiple disputes and over 42 fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: PA
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY REPORT, I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT AS WELL AS THIS PERSONAL STATEMENT. I AM A VICTIM OF IDENTITY THEFT AND ACCORDING TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Block, Inc.
State: AL
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:
OnXX/XX/XXXX, I purchased a queen bed and boxspring set for {$430.00} with my CashApp Cash Card at a local business. The bed was supposed to be delivered on XX/XX/. It was not delivered and I gave it through the weekend before attempting to contact the merchant. 
On XX/XX/XXXX I attempted to contact the merchant only to discover that he had closed his business and disappeared, leaving no contact information. 

I immediately contacted CashApp and disputed the transaction and reported it as fraud. CashApp denied my dispute saying that no error or fraud had been committed. 

I have since filed an additional 5 disputes in the same transaction, all with the same result of being denied. I did request the documentation that CashApp used to determine the dispute decision but all that CashApp provided to me is a copy of the transaction details... Which is not helpful at all as it lists no reasoning as to why it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Refinance my XXXX loan with XXXX XXXX in XX/XX/2021 USAA is reporting false XX/XX/2021 Filed a dispute with XXXX  XX/XX/2021 USAA provided wrong information to XXXX  in XX/XX/2021 Based on the process on refinance with XXXX XXXX, and filing a dispute with XXXX  I am not confident USAA will continue to provide the correct information on 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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On my credit report there is a credit card from chase bank credit card I am currently living in XXXX and have not lived in the United States for 12 years. This is fraudulent activity on my credit report. I need to have it removed to keep my credit in good standing. If you look at my credit report you will see theres been no activity in the United States for the past 12 years. I can provide you with proof of identity and residence in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I've talked to a couple of people at the loan company. I know its not their problem but I've asked if they have some type of program that I can pay at a later date because I'm having health issue and dealing with my mental health right now and I'm not doing to good. It's always no to everything. No help, no working with you. It's you have to pay this now or we suing you. They call 3 times a day from different numbers. Leave countless voice mails and sent a certified letter made me sign it threatening to sue. Then came to my house with my children home alone and left a note on my gate that they are going to sue. There is no talking to the manager because he speaks very I'll and nonchalant as he doesn't care. I've asked to allow lower payments or pay a little at a time of what I currently had. I was told no that it has to all be paid they can't take any partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank - Fraudulent Transaction. 

During a stay at a hotel in New York, I used my laptop connected to the hotels wifi to log into my Chase online bank account to pay a bill. I used an online bill payment feature to have a {$65.00} check sent. To the best of my recollection, this was late in the evening  of Thursday, XX/XX/2019. 

The following Monday, XX/XX/2019, while doing my expense report from my business trip, I accessed my account again and saw an additional transaction, XXXX  with XXXX payment to XXXX XXXX in the amount of {$1800.00} had posted to my account on Friday, XX/XX/XXXX, in addition to the {$65.00} check I had logged in to send. I immediately called Chase to report this transaction as fraudulent as it was not authorized by nor initiate by me. They opened an investigation and temporarily refunded the {$1800.00}. I also called the hotel to let them know this appeared to have happened on their wifi network. 

I additionally visited a Chase bank branch as instructed by the phone representative to close the old accounts and open new replacement accounts. A few days later after the {$65.00} check cleared the old account, Chase closed both my old checking and savings account. 

On Monday, XX/XX/XXXX, I learned that Chase had denied my fraud claim and they withdrew the {$1800.00} temporary refund. Upon calling, and visiting a bank branch immediately, I was told that the denial was a final determination and I have no further recourse with Chase to appeal their conclusion or request a more in-depth investigation. Chases investigators never contacted me, nor did they request any additional information or a signed statement beyond the information I gave the phone representative during my initial call on XX/XX/XXXX. 

Chase will only share general details with me as to their determination that it was an authorized transaction. They say that there were no fraud triggers ( i.e. failed sign-in attempts ) and that it appears to them that my authorized device was used for this transaction. They wont confirm to me if this was determined based on the IP address that initiated the transaction. 

Upon receiving Chases denial, and their refusal to reopen the claim, I did some research on XX/XX/XXXX and found the news article below, detailing a known fraud scheme involving another Chase/XXXX transaction. Tech expert XXXX XXXX at XXXX XXXX said it's happening to people across the country. Hackers have found ways to remotely access a consumers ' account from a customers ' IP address and send money to themselves in a matter of minutes. 

Full article linked here : https : XXXX I would appear to have fallen victim to this method. Chase clearly knows this method of hacking ( this news story is about a Chase account holder ) and is refusing to reconsider their determination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX, XXXX XXXX! I call and send dispute letters. 

XXXX  XXXX, XX/XX/2022! I called and sent dispute letters. 

XXXX XXXX XXXX, XXXX XXXX I've sent dispute letters and called them.

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 2023-09-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-07-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Well, I am a SMALL car dealer. I decided yesterday that I might want a car for myself. I had a trade in and some cash. I did a preapproval on a large dealers website. I gave them my personal information. The salesman calls and tells me that because I do not live in XXXX XXXX, Montana ( my business address is there ), that they will not finance me. Last time I checked you do not have to LIVE in the city where you purchase a vehicle, financed/leased or cash. He tells me to go to a credit union ... Really? So, after that happened I applied directly with Toyota Financial Services. They will not even give me a answer. They CLAIM on their website we have a program for the credit challenged. You just need a score of XXXX, and no late payments in 90 days. According to them my score was XXXX XXXX  maybe auto enhanced, then they pulled my credit from XXXX  yesterday, and still no answer ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act XXXX  account # XXXX or account name XXXX XXXX Bank, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.

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 2018-04-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made a purchase in XXXX store on XX/XX/2018 for XXXX XXXX Then 2 months after i have noticed that my account was charged twice for that : once for XXXX on XX/XX/2018 on my XXXX statement and second time on XX/XX/2018 on my XXXX statement. I have filed a dispute to the company but they sent me some XXXX letter ( please find attached as well as screenshot of my credit card activity where it is shown that i have 2 charges for the same date for exact same amount and screenshots of my XXXX and XXXX statements where those amounts are shown ). This story is continuing for more then a month. I'm sick and tired to continue calling them and endlessly talking to either robot or people who are not listening carefully to what I'm saying to them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, I have been making Principal Only payments in addition to the regular monthly payments on my mortgage loan. On several occasions, I've contacted Shellpoint to apply the Principal Only payments as I have requested. However, ever monthly, they continuously take part of my Principal Only payment, apply it the regular monthly payment, use a portion of that money as interest. Then a few weeks when I make the regular payment when it due, they correct the applied payment to the Principal Only Payment. This practice has been ongoing and frustrating considering I've made several calls asking Shellpoint to stop this practice. Please see the attached payment history from XX/XX/XXXX through XX/XX/XXXX. My payments are due on the first of the month. I have my bank account set on autopay to have the regular payments generated a few days prior to the payment being owed. I also have an autopay for the Principal Only payments that is generated a fews day apart from the regular payment. On XX/XX/XXXX, I contacted Shellpoint customer service about the most recent Principal Only payment that again was applied incorrectly as requested. I was told that the correction would be made and the system would be updated within a few days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied the American Express gold card with two promotions 1 )  getting XXXX points after spending {$2000.00} and 2 ) getting  20 % cash back for restaurant expenses, up to total of {$100.00}. After hitting the target I never received any bonuses so I called AMEX and they said my " welcome bonuses '' were rejected. This card charges a hefty {$250.00} annual fee and they are not honoring any of the promotions. They are not able to provide any specific explanation of why the offers were rejected, nor did they ever notice my of the issue during or after the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: MARINER FINANCE, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
About two months ago received an e mail Mariner Finance that I had opened an account with them. This e mail was ignored thinking this is just another scam. On XX/XX/2019 received another e mail stating the payment is now past due. There is no account number or amount provided only four different ways to pay. I decided to call and let them know they have the wrong person and that I have never done business with them and have never been near the address in Georgia provided. The number called was XXXX and I talked to a XXXX XXXX. She told me the amount was {$1600.00} that was given to somebody via USPS where they apparently only needed to sign the check to open this account. She confirmed the last four digits of the SSN were not mine and would check into the matter and call me back. There complete address for this office is Mariner Finance XXXX XXXX XXXX XXXX, XXXX, GA. 
I contacted the State of California Bureau of Security and Investigation that sent me a letter stating I need to call the  Federal Consumer Financial Protection Bureau XXXX which I did and they directed me to this site to report the crime. I called Mariner back today and was given a customer support number XXXX that told me go tell the police because someone has committed fraud against me so I told them Mariner is the one attempting fraud. At that point they essentially told me the go to XXXX and hung up. It is very clear Mariner is running a criminal operation and given my age appears to be targeting the seniors. Please stop them before they do any more damage.

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 2019-06-04
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, XX/XX/2019, Synchrony Bank called me 25 times in less than 10 minutes from phone number XXXX. The calls took place from XXXX XXXX CDT to XXXX XXXX CDT. I answered on the last call, and then they hung up. They have not called back since. They also called 3 other times today from two other numbers, making it a total of 28 times since XXXX this morning. I do intend on taking care of my payments owed, but this is harassment.

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