BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Spring Oaks Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I Was contacted by Spring Oaks Capital SPV , LLC on XX/XX/2022 I was not Identified before the debt was disclosed I advised the representative that they must Identify I was who they were looking for before they disclose my personal information the agent kept yelling at me and I asked to speak with her supervisor she placed me on hold and did not get a supervisor in a timely manner when I spoke with supervisor I verified I was the person that owed the debt and committed to an arrangement to resolve the debt I was contacted XX/XX/2022 The representative that contacted me did not properly verify who I was before she disclosed my debt even after telling her im at work she continued to harass me regarding the debt She did not give me the intent of the call by providing the XXXX XXXX and was very abusive verbally I asked to speak with her supervisor she took 15 minutes before I was able to speak with a supervisor and was abusive and threatening verbally during the wait for a supervisor I explained to the supervisor that i will no longer have my rights violated by their company I was threatened on the first call that they will report to my credit even after I agreed to resolve the debt on the second call on XX/XX/2022 i advised the super that they must identify me properly before disclosing any indebtedness they have violated my rights under the FDCPA and I ask that this company is reprimanded and held accountable for this violation they are abusive with their tactics to collect on a debt and my rights were violated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
ON XX/XX/XXXX I ORDERED A XXXX XXXX XXXXXXXX ITEM # XXXX AND A 24 MONTH XXXX SUBSCRIPTION TOTAL XXXX ITEM WAS LOST IN TRANSIT COULD NOT BE FOUND I CANCELLED THE ORDER I WAS GIVEN A CANCELLATION # XXXX NOW I AM GETTING BILLED FOR THE FULL AMOUNT I TRIED CALLING XXXX FINANCING WHICH IS TD BANK THEY TOLD ME TO MAKE MY PAYMENTS ON TIME TILL THEY CAN STRAIGHTED THIS OUT WHY SHOULD I MAKE PAYMENTS ON SOMETHING I NEVER RECEIVED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX put a block on a merchant without my consent or notifying me a block was put on the merchant, or the reason for the block. This block resulted in significant data loss from the subscription service being discontinued due to the block. 

XXXX XXXX then took several days to remove the block, something that normally could be done much quicker should a reasonably professional effort be made to do so by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As a XXXX provider and in contract with XXXX XXXX County XXXX should not charge anything extra and is to accept the payment from XXXX as the full amount. The XXXX listed on my credit report as being charged off is incorrect and i have not seen a bill explaining any charges and showing any payment from XXXX. I also had and have a supplemental policy that should have taken care of anything else. however, they will only pay when a company is not a XXXX   provider. XXXX always comes first. this was sent to a collection agency Merchants and Prof Collection Bureau ..not sure of address or itelephone number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My original debt ( amount {$860.00} ) was with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for early termination of my lease in XX/XX/XXXX due to a job transfer.

On XX/XX/XXXX, I personally delivered a cashier 's check for the full amount amount which was signed by the Assistant Manager on duty. I also have a letter from XXXX  which they faxed to my current renters showing that I have a XXXX balance with their company ( attaching copies ).

A couple of months later ( after payment ), I started receiving call/mail from National Credit Systems in an attempt to collect this debt. I kindly explained the situation and sent them copies of the paid amount via cashier 's check. Till this day they continue to contact me me via calls and mail even after I've submitted disputes via the 3 credit bureaus and even hired a credit repair agency which also sends letters on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
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 belongs to someone else

Complaint:
To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX dealersvcs {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.

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 2019-04-15
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 belongs to someone else

Complaint:
To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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:
SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA On XX/XX/2020, I mailed Equifax, XXXX  and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My identity has been seriously compromised and it has effective me and my credit ability in ways un imaginable, The following accounts are very haunting and I'm requesting that these accounts be thoroughly investigated, and that I be provided with the details and Method used. I would like to know what all certified documents used and inwhom conducted the investigation, their title, day, time and inwhom did they speak with, what physical documentation reviewed and what all documents sent to the consumer as proof of these accounts. These are the following accounts being disputed, ( # 1 ) XXXX XXXX XXXXXXXX {$31000.00}, ( # 2 ) XXXX XXXX {$0.00}, ( # 3 ) XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$0.00}, ( # 5 ) XXXX XXXX, ( # 6 ) XXXX XXXX XXXX {$0.00}, ( # 7 ) XXXX XXXX {$4100.00}, ( # 8 ) XXXX XXXX XXXX {$1200.00}, ( # 9 )  XXXX XXXX {$0.00}, ( # 10 ) XXXX XXXX {$870.00}, please remove these 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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX the school already deleted information on my credit report last year and now it came up again

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 2018-04-25
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
At the advice of my CPA, I decided to apply for an American Express business card. On or about XX/XX/2018, I provided American Express an inordinate amount of personal/non-public information about me and my business. After 45 minutes the young lady told me that I would recieve a card in seven days.

The card never arrived and when I called Amex to find out what happened, they informed me that they no record of the appllication. They stated that they would create a case and call me within 48 hours. This never occurred. I called them a week later and they had no record of " the case '' that they assigned to me. 

I am concerned that I provided them with a large amount of private/non-public information about myself and my business and they can not tell me where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
under tx law the collection of a debt has to include a sworn account this is not sworn to and so may not be mine I have no recollection fo being in this place at this time arringin by ambulance etc I have been to XXXX XXXX XXXX XXXX but I am thinking that this is not me I had care and care insurance under medicare a medicare replacement insurance co privately funded insurance that takes some of the financial burden off medicare social security and provides also supplemental ( ie more than medicare allows to its patients. ) I don't have the funds due to income stolen but these collection agencies just send bills that is why the tx law requires at least a sworn account of all of it.. under another insurance co XXXX XXXXXXXX XXXX a regular inspection of underlying documentation I found in XX/XX/XXXX XXXX that was wrongly billed for a XXXX XXXX and XXXX of my kid. so I want the details to make sure this is me and not been paid by my insurance co and that this is not just late fees and someone elses bill I had been starved by the XXXX county probate court which took over 150000 in assets and would not even provide m a cent for food transportation anything for 5 months from XX/XX/XXXX to after XX/XX/XXXX when I ended up in XXXX for XXXX I lived on samples from XXXX XXXX and XXXX to which I walked 12 mis a day this situation has been declared void under t sup court XXXX all my stuff in trust and unsubjects to guardianships and no personal jurisdiction over me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Curo management llc hit my credit and I recognize that company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Approximately 3 months ago, I applied for XXXX XXXX XXXX  Credit Card by Chase. My application was approved and an annual membership fee of {$95.00} was collected from us. On XX/XX/XXXX Chase sent us a letter notifying us that Chase would close our account effective XX/XX/XXXX. Chase did not state the reason for closing. I called in Chase customer service and talked to supervisor and asked for reason of closing since I am a long time customer of Chase. I have multiple high value residential and commercial loans with for the last 15 years. My credit is excellent. I paid my card 's balance off each cycle. So why did Chase close my XXXX  without any justification or advance notice? When I received the XXXX XXXX, I cancelled my other cards. Now that Chase just closed the account so abruptly, It did not leave me any time to apply for other credit card from other banks. The supervisor that I talked to basically did nothing other than telling me that she is following the policies. I then asked her for a refund of my {$95.00} annual card fee since Chase collected this money and then proceeded to close my account shortly after that. We would like to get our {$95.00} annual fee back.

I believe that many consumers were bullied by Chase banking practices. Few years back, Chase closed my previous Chase credit card which I had for 30 years and stole away our XXXX  point earned over the years when I forgot to pay my annual fee of {$39.00} because I signed up for online statement and missed the payment by 3 months.

Chase is contradicting itself in banking services and practicing discriminatory in services by maintain multiple commercial loans with the consumer but proceed to close his/her Chase credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My identity has been seriously compromised and it has effective me and my credit ability in ways un imaginable, The following accounts are very haunting and I'm requesting that these accounts be thoroughly investigated, and that I be provided with the details and Method used. I would like to know what all certified documents used and inwhom conducted the investigation, their title, day, time and inwhom did they speak with, what physical documentation reviewed and what all documents sent to the consumer as proof of these accounts. These are the following accounts being disputed, ( # 1 ) XXXX/XXXX XXXX XXXX {$31000.00}, ( # 2 ) XXXX XXXX  {$0.00}, ( # 3 ) XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$0.00}, ( # 5 ) XXXX XXXX, ( # 6 ) XXXX XXXX XXXX {$0.00}, ( # 7 ) XXXX XXXX   {$4100.00}, ( # 8 ) XXXX XXXX XXXX {$1200.00}, ( # 9 ) XXXX XXXX   {$0.00}, ( # 10 ) XXXX XXXX {$870.00}, please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, a charge by 'XXXX XXXX XXXX ' in XXXX XXXX XXXX XXXX appeared on my credit card, for USD XXXX. This charge alleges damage to a rental car in XXXX. I did not damage this car. 

On XX/XX/2021, I disputed this charge. I was subsequently provided with a rental car contract for this rental. Close inspection of this contract revealed the following : - The rental car contract is not in my name, but in a name similar to my name. 
- The address provided on the contract is not my address, and in fact does not seem to be a US address at all. 
- The contract lists a driver 's license number as XXXX XXXX XXXX : XXXX. I do not have a driver 's license with such a number, in fact all Michigan drivers ' licenses follow the scheme of one letter and 12 numbers. I have provided a copy of my drivers ' license to the credit card company. 
- The contract lists a passport number. The number listed does not agree with my passport. I have provided a copy of my passport. 
- The signature on the contract is unreadable but does not agree with my signature. 

I am therefore not willing to cover the costs of this rental. 

My complain to the credit card company has subsequently been closed, with the answer that they have reviewed the materials and couldn't find anything wrong with them. None of the points that I have raised have been addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from Caliber Home Loans that effective XX/XX/2018, they are now charging a fee for mortgage payments submitted online or via their app. The only way to avoid this fee is to mail a check or use recurring payments. 

I plan to pay off my mortgage early by making additional monthly principle payments early in the month. Caliber 's new policy now makes it more expensive and time consuming for me to make additional payments and to pay off my mortgage early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company closed my account and then re-opened it up without written consent I was not notified they opened the account back up I have proof the account has been closed and no written notice was sent to me. 
I have been disputing this company regarding the debt for months. I have asked them to validate and verify my debt. 
Perhaps thats why this has happened. 
But its a direct violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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: Account information incorrect

Complaint:
There is an account I was an authorized user on which was my son 's I had myself removed back in XXXX and it is still listed. I need this removed ASAP I have waited more than 45 days an addressed it with a dispute. Please help assist me. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I'm disputing the following accounts XXXX And XXXX {$1500.00}, XXXX XXXX   {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report 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 2018-04-25
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: Old information reappears or never goes away

Complaint:
i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.

Company response to consumer: Closed with explanation