BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-17
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
On XX/XX/2020 around XXXX XXXX., I was contacted by Midland Credit Management , Inc. , by its representative, XXXX XXXX regarding an alleged past due credit card bill. The collector started off by telling me that the company plans to bring this account into ligation. Which means is planning on suing me for a past due charged of debt that I am making attempts to resolve. I questioned him and ask why is this sounds like a threat. I felt uneasy, but continued the call. I remained respectful and explain why I fell behind on several credit obligations. 

Be advised that Midland Credit Management bought this debt from XXXX ( also known as a XXXX XXXX XXXX XXXX ). MCM by its representative is threatening to take legal actions and bring this matter into litigation. XXXX XXXX 's supervisor got on the phone to approved a potential payment plan and I mentioned that I was uncomfortable with giving out my banking info at this time that I'd need to think and review some things first. He became very disrespectful and very condescending. For someone who is trying to resolve such matter, I did not think this type of disrespect was called for. 
I request that Midland Credit Management would cease and desist immediately. 

Further, I pray that MCM learn how to speak to people who actually plans to pay their pass due bills, if indeed they do owe. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full XX/XX/XXXX. ( I have receipt and canceled checks ) Was called and ask to pay XX/XX/XXXX I explained the debt was paid. Told debt is cleared. Contacted again XX/XX/XXXX, explained debt was cleared. I was told is was a mistake after I explained and I would not be contacted again. But 2 times after pay off debt???? Something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Center Street Finance, LP dba CSF Servicing
State: AL
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:
I purchased a car in XXXX XXXX which was originally financed by XXXX XXXX from a shady car lot called XXXX XXXX in XXXX XXXX XXXX I was young, under distress, in a new city, and manipulated to sign blank contracts. XXXX sold my loan to Center Street Finance, also known as CSF. Center Street Finance repossessed the car in XXXX after I was unable to continue to pay. I feel on hard times with health problems and personal family issues. 

After years of trying to get a straight answer besides " you owe us the money '' from Center Street Finance, I am still confused why they continue to report to XXXX that I still owe them {$11000.00}. Before the repossession, I paid {$400.00} a month for 4 years totaling about {$19000.00}. They charged off the car to receive tax breaks and probably resold the car because it was still in great condition. According to XXXX XXXX XXXX that car was worth about $ XXXX resale price. 

It's disgusting and overwhelming Center Street Finance made over {$40000.00} off of me because I bought a XXXX XXXX XXXX at XXXX XXXX XXXX for a car that was worth $ XXXX at the time of purchase. Even more odious that they are allowed to report on my credit for years stating that I still owe them when they received their car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Luckmore Finance
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am a natural person, I am a living human being, and I have writes under 15 USC 1692 F SECTION 6, 15 USC 6802, 15 USC 1692, and 15 USC 1692 K. Under these laws luckmore finance continued to violate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX charge credit card {$1700.00} call credit company explain just found now ex-room mate made charge while out town without my permission they told me call company charge made to XXXX online charge call them lady said talk to her boss see refund charges back to me XXXX refund me {$1400.00} call td bank credit card company when got statement told them that did not refund whole amount so they XXXX all XXXX of us talking on phone charge {$250.00} for shipping well online store have free shipping lady said be too much lost of amount told lady was not aware of charges file police report this not right merchandise that was order never came to my residential such big item exercise equipment that item had set up day/time for XXXX to delivery never delivery send back to XXXX lady from company said call me back 3 days she never call me back again wait 5 days call TD credit card saying never call me back file dispute against have copy police report with case number sign paper work should get 10 working days NEVER received paper work again call TD bank told never got paper work that this time send paper again attack copy police report fill paper will be case number i been dealing with TD BANK from XX/XX/XXXX-XX/XX/XXXX they are not good credit card company this disputes was handle very poorly NOW final got letter saying case is close more than 60DAYS this going on and on since XX/XX/XXXX-XX/XX/XXXX how can this dispute be close on top this letter sent me was wrong amount that was dispute letter amount {$1700.00} that should be {$250.00} and still make payments on dispute charge of {$250.00} that all own them anyway not going use this card until remove and credit money own me if professional when call about this amount in XXXX should been removed from my bill when ask dispute lady dispute amount appear statement she told me it up to me if send in monthly payments of dispute amount good thing did because they did not know what they are doing my credit will be ruin messing with TD BANK dispute amount should been remove until been resolve lastly call TD BANK ON FRIDAY XX/XX/XXXX ask them what can be done they suggest calling XXXX again put me on hold lady could not find there telephone number than want me write letter to TD BANK to reopen my case XXXX since too longer than 60days explain that was not my fault this case start in XX/XX/XXXX -XX/XX/XXXX something should been done and finish i was in right time frame when file dispute not my fault that TD BANK dispute department fell there commitment handle within 60 days item was charge on credit card without my permission on XX/XX/XXXX for {$1700.00} the credit back {$1400.00} not shipping charges like said was not ship to my home merchandise at XXXX location waiting for day/time be delivery never delivery still paying on this dispute from XX/XX/XXXX UNTIL NOW THIS IS XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2017 I escalated my complaint to wells Fargo corporate to inform them the claims department was refusing to investigate my claims the rep I spoke to before XXXX stated the claims department do not have to investigate my fraudulent transactions ( in other words ) and begame putting words in my mouth that was not what i said like she was conspiring to my fraudulent transactions or it was her her self which had a part in these fraudulent transactions on my account

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 2022-08-27
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:
This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FIN XXXX XXXX Balance Owed : {$0.00}

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 2020-02-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2020 went to Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
Opened a checking account, with a {$1500.00} check from current checking account in town I moved from. ( approx within 50 miles ). Received checks and a debit card. Wife currently has a checking account in Chase for 12 years. 
XX/XX/XXXX Received a letter they blocked my account and will close it. 
Reason due to XXXX  Report. 
I checked my XXXX Report which is attached, shows No lates with any accounts. A Good credit score The CFPB on Wednesday ordered Chase to pay {$4.00} XXXX for failing to comply with the Fair Credit Reporting Act.federal regulator says JPMorgan Chase was lax in ensuring the account history it reported was accurate. Further, the Consumer Financial Protection Bureau says consumers who filed disputes with the bank and those who were denied new accounts never received the information they were entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FIN XXXX XXXX Balance Owed : {$0.00}

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 2022-03-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
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:
My information has been compromised possibly due to a data breach and now I have several accounts reporting negative on my credit that I do not recognize. There are several in collections already and I need your help to get these fraudulent items off of my credit report. I have tried with the credit bureaus to no avail. Please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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:
This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management. 
Michigan. 
Repeated calls on a daily basis. 
Robo calls always from a different number. 
Always attempting to collect on an unpaid debt. 
Problem is I have no debt with this company nor ever had. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: Checkr, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My report showed XXXX  XXXX-XXXX  XXXX XXXX thats incorrect..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have been receiving emails from ACE Flare Account by XXXX since XX/XX/2020 stating that I have an open account with them. I never opened a credit account or purchased a debit card with this company. I thought it might be a scam, so I researched online and XXXX has this company listed on top of the search results as " Official Site '', so I felt more comfortable calling their customer service number. Here is their website and phone XXXX XXXX XXXX XXXX. One of their emails to me mentioned a {$50.00} balance on my account.

Their rep asked for my address and the last 4 digits of my social which I provided. Then they asked when I purchased the card ( this seems to be a pre-paid debit card ). I said I never purchased this card and thought it might be fraudulent use of my personal information. They said that since I could not answer the question, I had " failed their verification process '' and they could not help me. This was a huge red flag. I asked what I could do now, for example, how do I report fraud.. they just kept repeating that they could not help me because I failed their verification because I could not tell them when I opened the account - completely ignoring the fact that I never opened the account and was calling to see if it was fraud. I had to hang up because he refused to provide any more info and refused to send me to a fraud dept. 

I checked online and saw many, many other people that had the same complaint - that accounts were opened in their name without their consent and that customer service could not help them close the accounts. One person mentioned that they were informed by ACE Flare customer service that this card was a " promotion '' which I found suspect. Others said it's a phishing scam. Another person mentioned that ACE Flare is owned by a company called Netspend. They provided an email for management, XXXX. I sent an email to Netspend to request they close the account, but I'm afraid that they are all complicit and it may not do any good.

I am concerned that this company has my previous address and the last 4 digits of my social security number which could be used to compromise my identity for fraudulent purposes. I would appreciate your help in getting to the bottom of this and letting me know if I have reason to be concerned and what I can do to protect my identity.

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 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Wednesday, XX/XX/2022, Bank of America, with whom I have an Alaska XXXX credit card, opened a savings account without my permission or notification, ( until today, XX/XX/2022 : 5 days later ). Currently they have it arranged such that I can only pay my BoA credit card from the unauthorized BoA savings account. I have been on hold with them for an hour and counting after briefly talking with a representative about the nature of the problem : she said she could not handle the problem and was directing me to the correct department. My next credit card payment due date is XX/XX/XXXX. I am not willing to be forced to deposit money in the unauthorized savings account in order to pay my credit card on time, as I have previously set it up with my personal checking from another bank and have never, not even once, been late on a payment. If they do not resolve this within the next 4 days, we are at an impasse.

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 2022-03-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.

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 2022-08-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT ED/XXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT ED/XXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX  ( XXXX XXXX XXXX, Case No.

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