BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 1692e.False or misleading representations, also states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18,
imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Purchased a set of golf clubs from XXXX XXXX XXXX on XX/XX/XXXX Processed payment through my XXXX account. Received clubs on XX/XX/. Opened packaging on the 7 iron and hit a few balls. Did not like the feel of the club so put it back into its individual wrapping and put it back in the original box with the other clubs. Returned the set of clubs to XXXX XXXX by XXXX on XX/XX/. A few days later I received a call from XXXX at XXXX XXXX saying they received the clubs but one of the clubs was used indicated by the wrapping. Was told that a full refund could not be given because I used their prepaid return label which I was {$7.00}. Was told that the {$7.00} would be deducted from the total of {$1000.00} to which I agreed. Waited several days to get notification concerning my refund. Made several calls to XXXX XXXX and spoke to different people each time getting different answers. On XX/XX/XXXX, I wrote a letter to XXXX and disputed the claim online. On XX/XX/XXXX, XXXX acknowledged receiving the case # ( XXXX ). The reply from XXXX stated that additional info would be requested from XXXX XXXX. On XX/XX/XXXX, got email from XXXX saying my case was denied. I did not pay for the clubs that I returned. Attempted to purchase a home to find out that XXXX XXXX, by way of, Midlands Credit Management , Inc. had placed an amount of {$1400.00} on my credit report for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: CA
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 WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE 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 2020-05-02
Company: Riverwalk Financial Corporation
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The charges were the result of identity theft. They initially acknowledged that the charges were not mine and said the charges would be reversed, then sent me to collections anyway. I have proof of contacting them and them acknowledging that the charges weren't mine. Later, I paid the debt in order to have it removed from my account per our written agreement and they have still not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
After reviewing my credit report, it was revealed to me that I had many late payments beginning : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XXXX XXXX 90 days late as of XX/XX/XXXX I retired from the military in XXXX and haven't a need to use this card nor was I aware there was a balance associated with my name on it. I was not in receipt of any statements whatsoever.

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 2021-06-05
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputes XXXX XXXX account credit account which is over seven years on my credit reports and credit bureaus said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Barclays keep reporting inaccurate information on my account and they need to stop reporting this inaccurate information to credit bureaus.

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 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX ; XXXX and Transunion are reporting incorrectly late on the XXXX XXXX   XXXX accounts. ( Please see pages 4 6 attached from my credit report, along with a spreadsheet outlining account numbers. ) These student loans are in deferment. I have attached a copy of the letter from XXXX XXXX dated XX/XX/2019 verifying an Administrative Forbearance on these student loan accounts. This incorrect reporting of late on these accounts is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Friday, XX/XX/2020 {$460.00} was deducted from my checking account. The line on my statement said Cash App, parent company Square. 

I do not have CashApp. I notified my bank on Thursday, XX/XX/2020 that I saw a pending transaction for release on XX/XX/2020 that same day my bank fraud department stated that via this CashApp they tried to deduct after the {$460.00} was approved they tried for {$1400.00}, {$1000.00}, {$750.00} then {$500.00} each time getting lower. Since the charges were coming from California and were according to the Bank Fraud Representative `` XXXX XXXX type of things '' they declined the charges. 

CashApp and Square have no email address, no contact phone numbers. You have to have their App and card to receive support. I informed my bank who provisionally returned my stolen money until their investigation is over. 

Today, Saturday, XX/XX/2020 a CashApp card shows up. I tried getting on to their site, I put in my email address - no email address exists for them. I put in my cell phone number - no phone number exists for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I applied for a Home Equity Line of Credit with Chase Bank and was given a loan number. The process got underway and over the next several weeks I provided all the documents required for the approval process to move forward. I provided several years of paycheck stubs, W-2 's for the last 2 or 3 years, last 2-3 years of official Tax returns as well as homeowners insurance, property tax statements, investment property documents among many other things. All along the same time my Tax Attorney & Tax Accountant ( CPA ) provided me guidance and gave me no reason why I would not be approved for a HELOC. The home was appraised at over {$630000.00} and I owe just over {$310000.00} on the home to the bank which gives me just at 50 % equity in my property. I was approved by Chase for {$180000.00} HELOC which is roughly what was allowed by lending guidelines for me to get as a loan. Long story short is that I was contacted by the bank on XX/XX/2019 and was told by XXXX that they could not extend me a HELOC due to my income to debt ratio. I make about {$130000.00} per year in income from my employer, have about {$8000.00} in rental income each year and have equity in my home as well as all my other investment properties are completely debt free. I have no other debts, no credit card debt, no automobile loans at all and have a FICO credit score of XXXX. When XXXX contacted me about this and gave me the news that Chase could not extend me a loan ; I pushed back and disagreed with the decision. I pushed back even further and told her that if Chase could not extend me a loan then I needed Chase to send me a letter stating such and why as well as send me all the paperwork that went into the decision as to why I was being denied the loan. I then got a call from Chase today XX/XX/2019 where they further explained their decision but after further review they were going to extend me a credit line of {$28000.00} or so. I find this really hard to believe that with my credit score & equity in home that the bank can not provide me access to my own equity in my home. I believe I have been deceived by Chase Bank as their own employees can not agree on what I qualify for by changing their position after I pushed back at the initial decline of credit. I have not received a loan decline letter yet but should receive this shortly. I am not sure if why they would not loan someone with great income, impeccable credit score and no debt other than my primary residence a loan but something is not right about this. Is it because I am a Veteran, is it because of my age, I don't meet their " quota ''? I plan on finding out the answer and will not pursue this matter to the fullest extent of the law and will spend money to prove it to myself or them as to who is right or wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove 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 2020-05-02
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: Problem with personal statement of dispute

Complaint:
I am complaining about my Equifax credit report score decreased by 50 points. Equifax has allowed three disputes on my credit report, and I did not authorize these disputes. XX/XX/2020, received an alert from XXXX XXXX my score decreased by 50 points. I reached out to Equifax, I spoke with the representative XXXX, employee XXXX. XXXX confirms three disputes show on my credit report, and it is pulling down 30 % of my credit ratio. I inform XXXX  I did not request for any disputes on my credit report how can I stop and remove the disputes? XXXX states there is nothing I can do ; I had to wait 30 days for a response. XXXX informs the three disputes are paylaince, XXXX XXXX, and XXXX  XXXX. I told XXXX  it is impossible to have a dispute for XXXX because I paid off this account, XXXX refuse of stop the is dispute I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Access Receivables of NC Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I revived a call from Access Receivables Management a couple weeks ago attempting to collect a debt that was sent to them from the XXXX XXXX of XXXX XXXX. I am disputing that debt. The debt collector who called identified himself as having served in the XXXX for 4 years, upon hearing that I was in the XXXX XXXX XXXX. I had told him that I was in the XXXX XXXX XXXX and was using my Post XXXX XXXX XXXX to attend the XXXX XXXX XXXX XXXX. I explained to him that even though I had submitted a certificate of eligibility and was told the VA would pay my tuition, the VA failed to pay my tuition in a timely fashion and I never got my XXXX. 

The debt collector told me that it was wrong for me to use the XXXX to pay living expenses and that I could get in a lot of trouble from the XXXX XXXX for doing that. This was dishonest on his part and an attempt ti scare and intimidate me. This violates the Fair Debt Collection Practices Act.

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 2019-09-24
Company: Credit Bureau Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted CBCS via certified mail requesting validation of a claim that I owe them XXXX., made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from CBCS for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Therefore if CBCS can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05
Company: Grain Technology, Inc.
State: OR
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 have already reached out to Grain already on multi occasions. On XX/XX/2021 I told them that they do not have consent to report to my consumer report. They are in violation of FCRA. I already sent them a affidavit as well. And have called and emailed them. They stop reporting one month and then put the account and payment history back on my consumer report. Talked to agent and they said they will stop reporting to my consumer report because I have not given then consent. Consumer reporting is optional under federal law. Grain is taking advantage of me and benefitting from me. I am demanding that they stop reporting to the consumer report. 

They are violating FCRA 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE EQUIFAX SECURITY BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: SYNCHRONY FINANCIAL
State: CA
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:
XX/XX/XXXX : Transaction date for {$750.00} for nothing ( I never ordered or received anything ). 

XXXX - XX/XX/XXXX : Contacted both the store and the bank. 

XX/XX/XXXX : Filed for a dispute to the bank. 

XX/XX/XXXX : Contacted the bank again, received a replacement card. 
Filed for another dispute for the second time ( no follow up on the first one ). 

XX/XX/XXXX : Final decision by the business : no fraud

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 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am charged for the amout of {$420.00}. On the charge card statement there is no explanation for this fee. On XXXX XXXX Capital One has me credited for {$400.00} but the credit card number is different. The description is XXXXt XXXXPA. On this same statement his bank has me owing XXXX  {$400.00}. The account number is different. This XXXX charge remains on the new credit card account number. I do not know nothing about this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use PNC Bank for my XXXX banking and XXXX  for accounting services. PNC will not allow XXXX access to bank account information for accurate record keeping. This has never been an issue in 2 years since I started using both of these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: LoanCare, LLC
State: CT
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:
Loancare ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX XXXX XXXX XXXX as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. LoanCare has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of LoanCare 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before LoanCare 's false report. 

The service company name and address : LoanCare , LLC XXXX XXXX XXXX Virginia XXXX, VA 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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017.

Company response to consumer: Closed with explanation