BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: Commercial Recovery Systems
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Person called 2 weeks ago from a place called CRS she said she would serve me at work or home on Friday, XX/XX/XXXX. When I asked what the service was for she said a debt. I asked what debt and She gave a call back number that went to a voicemail saying no one was available. I also asked for account number she did not have one. I looked it up and it was marked as a scam. Someone did call back saying I would be sued if I didnt pay today. I asked by whom they said by their client. They asked if I would pay by credit card over the phone I asked for account number so I could provide it to my bankruptcy attorney the person laughed and said oh your bankruptcy wont cover this. I asked again for business of debtor they refused and would not give amount due or account number but said I would be served at work on a Friday. I said ok. They tried to verify my email and gave me a different email than mine. No one arrived at my home or work to serve me. 

Today I received a voicemail XXXX XXXX - XXXX XXXX XXXX at XXXX XXXX   from number XXXX. Voicemail says this is XXXX XXXX with department of civil processing at XXXX XXXX XXXX calling for respondent. Our office has been retained to get a statement as part of a pre-litigation progress. Under Indiana state law you have 48 hours to respond with a formal statement XXXX Account number is XXXX either you or your attorney can respond by calling XXXX ext XXXX. Thank you. The background sounded very much like a telemarketing call center. 

If you call back it is the same voicemail and process as when the lady called threatening to serve me. They call back wanting a credit card payment over the phone. They do not identify debt and say you are being sued to avoid law suit you must pay today. When asking for account specifics for your attorney they revert back to a script demanding payment. Again they do not tell you the amount or account number.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-28
Company: Mercedes Benz Financial Services
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: Problem with personal statement of dispute

Complaint:
My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time Mercedes-Benz Financial Service provided yet Mercedes-Benz Benz Financial Service still reported XXXX  day delinquent on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Resurgent Capital Services L.P.
State: MD
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  has continued to report inaccurate information on my report. I have dispute for a year and now hired a law firm. They send generated messages FTCA verified which is a lie because I have NEVER received signed documents or original, or any paperwork for that matter that is required to prove my federal law. I have requested help from them, PROOF and nothing but generic responses. 

XXXX XXXX XXXX  & XXXX XXXX cards were stolen from me. I have sent requested fraud reports 3 times to collections companies and they say they dont get it. Its a run around game and I am now seeking legal help. I have not received anything from them but lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: National Account Systems of Omaha, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX XXXX on XX/XX/XXXX stating the amount of my debt is {$640.00}. I checked my credit report about a month ago ( XX/XX/XXXX ) and that was still the amount listed on the debt. I received a letter from XXXX XXXX on XX/XX/XXXX and they are now saying the amount I owe is {$1000.00}. The letter from XX/XX/XXXX is offering me a settlement of {$500.00}. I contacted them offering them {$300.00} to settle and informed they are charging me more than my balance when my account was charged off/closed. He stated they are charging me 17 % interest and I should write a check for my original amount of {$640.00}. When I said I would pay {$300.00} he said he wasn't going to negotiate with me. When I stated they were already trying to negotiate with me he said he had no record of it and I read the letter that was sent to me he said I should just pay my original balance and I wouldn't have a problem. I asked for his name and he wouldn't give it to me and he ended the call.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  XXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX  XXXX {$13000.00} USDOE/XXXX XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXXL XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( 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 2019-06-01
Company: JPMORGAN CHASE & CO.
State: WA
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 customer service

Complaint:
Chase maintains that they can not place a Fraud Alert on my account after their recent data breach, resulting in a very specific phishing email I received today and reported to Chase Customer Service. 

Please contact me regarding corrective action that needs to be taken by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
My Merrill Lynch Rewards+ Visa Signature credit card was closed without any notification on XX/XX/2020. 

When I called a customer service rep on XXXX XX/XX/2020 to ask what happened to my account and why i could not see it online, the representative told me that they had closed my account due to inactivity ; that they have recently instituted a policy where they no longer give customers any notification that their account has been closed ; and that the representative disagrees with the policy and thinks it is bad for customers, but can't do anything about it. 

I believe my card had about XXXX " rewards points '' worth about {$500.00} in cash or {$1000.00} in air travel bookings and these points were reportedly destroyed when my account was closed, without warning.

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 2022-10-04
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A check was deposited in my account without my knowledge. My account now is in the negative because of the check and I did not authorize any of this.

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 2019-06-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I logged into my Chase banking account to manage my finances. I noticed one of my two checking accounts balances seemed low so I double-checked the transactions. In doing so, I see 2 Quickpay with XXXX transactions on XX/XX/2019, one for {$1000.00} and the other for {$530.00}. I have never seen the names the money went to so I immediately called Chase customer service to report the fraud. They recommended me to visit a branch in-person to close the account. I immediately go to a branch to close my checking account that I had for 20 years and open a new one, to prevent any further fraudulent activity. Chase informed me that while they investigated they would temporarily reimburse the lost money. 

On XX/XX/2019 I received a letter dated XX/XX/2019 that Chase had completed their investigation and has found that the transactions were processed correctly or was authorized. Also that the funds that they had initially reimbursed me would be removed on XX/XX/2019. I immediately call the number listed on the letter in which the person I spoke with recommended I visit a branch instead. I return to the same branch near my house to dispute the letter. I go over the issue with the Assistant Branch Manager and she escalates the case with Chase Fraud Department. I asked Chase for the information that was used to determine my case and was told that they could not give that to me although in the letter, it specifically says that I could request it. Instead I was advised to take screenshots of my phone and laptop ip addresses and to email them to Chase Fraud Dept. The Asst. BM lets me know that it will take a few days for them to review the case but reassures me that she will keep me updated. 

On XX/XX/2019, Chase withdraws the funds as was indicated on the letter and I call the Asst. Branch manager to re-inquire about the status of my case. She lets me know that while they reopened the case, it was not possible to postpone the withdrawal and that currently the escalated case was still under investigation. She mentioned she would get back to me within another week to give me another update. 

As of today, XX/XX/2019, Chase has withdrawn funds from my account in the amount of {$1500.00} that was never authorized by me. Currently I am still waiting for an update and have reached out a few times by phone and email. I have not heard anything. 

I have been a loyal Chase customer for 20 years with 2 checking accounts and approximately 6 Chase credit cards. I requested them to review my usage habits as I believe it is quite evident in my behavior and reiterated that the 2 transactions were fraud. Absolutely incomprehensible that Chase would allow this kind of fraud to occur and then turn around and make me responsible for it. I will definitely rethink who I bank with if this is how Chase resolves their issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 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 2020-09-05
Company: Persolve, LLC - Legal - Series 2
State: FL
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: United PanAm Financial Corp.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( XXXX  XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$5200.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/2016 I received an offer via mail for the XXXX XXXX Card and it appeared as a good deal with low interest rates. But once activated the company hit me with undisclosed fees and upon trying to close the account the company would not allow me to. But rather continued to charge me their fees and not allow me to close and to this day report negative info to my credit reports. And now they have also sold account off to a collector named XXXX XXXX XXXX making it even worst and Then when I filed the first complaint with CFPB they stated that the account is not theirs, but yet they continue to send me statements wanting payments. I have also filed a Complaint with the State Attorney and the Florida Office of Financial Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed 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 explanation
Consumer complaint received 2020-12-02
Company: Ability Recovery Services, LLC
State: LA
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:
Ive disputed this INNACURATE information they verified it as accurate which it indeed INNACCURATE. THEY CAN NOT PROVIDE ME ANYTHING WITH MY SIGNATURE

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 2019-03-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Consumer Protection Personal ; I need your help to solve the HSBC bank issues I have now. 
My HSBC advancing checking account # XXXX opened on XX/XX/XXXX with promotion for {$350.00} welcome bonus. welcome bonus suppose to come in on XX/XX/XXXX. Nothing happened, no bonus seen. Call on XX/XX/XXXX, XX/XX/XXXX HSBC file number of investigation XXXX XXXX ect. Online chat with HSBC rep. No response or answer from the HSBC so far. Call on XX/XX/XXXX no help at all. I could not get hold of anyone from HSBC bank to get an answer. I wish you could help to solve this issue. 
Thanks. 

My phone number XXXX XXXX XXXX My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my account was blocked I called customer service and was told my account would be unblocked. I was still unable to use my ATM Card but was able withdraw money at a branch. XX/XX/XXXX I called customer service was told my account is still blocked and they had no information as to why. I was told I would receive a letter in the mail within 5-7 business days of the account being blocked regarding the account. Today XX/XX/XXXX I havent received any letter explaining what is going on with my account and money. I went to the bank the tellers were unable to tell me whats going on with my account and I was unable to touch my money. I placed another call to customer service and finally spoke with XXXX of the security alert department. XXXX told me my account was blocked due to a XXXX  deposit that was suspicious he verified I know where the XXXX came from and the amount and said he would unblock my account. He asked me to try to log into online banking which I could not do. A message popped up that stated my account was blocked for my security. XXXX then told me upon further research he couldnt unblock the account and didnt have any more information for me except for wait for a letter the account is still in review and, once again explaining I should have received a letter within 5-7 business days which I havent. The bank continues to hold my account and money without giving me any answers or letting me speak directly with the department that is reviewing my account. How can a bank keep my money and not give me answers. I have kids, a mortgage, and bills to pay.

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