BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX with XXXX cellular service was cancelled on XX/XX/2022. I continued to receive bills until XXXX of 2022 stating I owed {$170.00}. That amount was turned over to XXXX XXXX and then to AmSher Collections and had increased to {$180.00}. I attempted getting this settled with XXXX at there store at XXXX XXXX XXXX, XXXX, XXXX  and also by numerous telephone calls to their customer service department. It never ended with a resolution. I have documentation from them that shows i paid the phone amount and the bill. It shows {$0.00} amount for the lease phone and last charges paid of {$36.00}. I have sent this information to AmSher, to XXXX and to XXXX as disputes. With no satisfactory resolution. I cancelled the service, through the steps I was given by their CS rep. I could not return the phone to the store at that time ( XX/XX/XXXX ) because the service had been cancelled. The store rep called customer service for return shipping label for the phone and they were told it could not be done because the phone service had been cancelled. I then received a " return your device as soon as possible '' letter dated XX/XX/2022 stating to return the device no later than XXXX days ( XX/XX/2022 ). I did so on XX/XX/2022, paid the fees/cost for the return and received a {$0.00} balance owed letter for the phone and a paid receipt for the last amount owed on the service of {$36.00} or {$37.00}. This needs to be further investigated on why I have a collection on my record. No one thus far has told me EXACTLY how I owe these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
CFPB Bank of America order. Bank of America account holder since 2004

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 2022-12-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I got the gap insurance with my car loan from CREDIT ACCEPTANCE CORPORATION when they took my car due to flood the gap insurance send them a check for the remanding balance. The gap insurance paid off my car and still saying I own XXXX. They refused to take it off my credit report on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Kia finance is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market. 
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an email from XXXX saying someone was trying to use my account to buy crypto. Someone called me named XXXX and set himself out as a representative of XXXX. ( At that time I had tried to close my coinbase account several years earlier and it was restricted ). I found out later this guy was a scammer and scammed me out of {$1200.00}. Chime Bank has denied all of these fraudulent transfers saying they were not an error. Basically saying i'm the one that did all this. I've sent them multitudes of emails denying this I've already closed. My secured credit card with them and my savings account and as soon as all my debits are out of my account I am closing this account. I've been victimized first from the scammer and now from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My purse was stolen on XX/XX/2023. The criminals attempted to transfer funds from my XXXX XXXX XXXX  via Cash Ap. I do not have a cash ap account, however, I contacted cash ap to try and get the criminals account shut down and cash ap said there is nothing they were willing to do and were unable to look up my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, i already sick help with paypal regarding with my account but they are not listening to me about my appeal the money was just available already then suddenly they have permanently limited my account i feel sad because my account was already old and my customers already memorize my email address they keep sending me their payment because my business is more about coaching hosting websites and and customers avail plan subscription depends on subscription based on our website i already provided the website through paypal they accepted and i understand that they already know my business i don't have actual products it's more off virtual transactions online which already established with my colleagues international i am seeking your help to reach out through people to grant my request lifting of permanently limited i really need to continue my transaction businesses and because this is just the only source of my income i understand the paypal responsibility is to keep our account safe from the unknown transactions i made sure when it comes dispute i attended right away just to maintain the good record of my account because it's already old and stablish. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had an account with Wells Fargo and they always charged ridiculously high fees for everything so much so I closed 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 2023-03-06
Company: EQUIFAX, INC.
State: GA
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 am writing to bring to your attention an issue I have been facing regarding my credit reports. I have noticed that there are several inaccurate accounts listed on my Equifax, XXXX, and XXXX credit reports. 

I have tried to dispute these inaccurate accounts directly with the credit bureaus, but they have not been removed. These inaccuracies are negatively impacting my credit score and making it difficult for me to obtain credit when I need it. 

I am requesting that the Consumer Financial Protection Bureau take action to ensure that these inaccurate accounts are removed from my credit reports with Equifax, XXXX, and XXXX. I have attached copies of my credit reports to this letter to help with the investigation. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate and remove inaccurate information from credit reports. However, in my case, the credit bureaus have not taken any action to correct the errors on my credit reports. 

I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter and ensure that my credit reports are accurate and up-to-date. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Chime Financial Inc
State: NJ
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/23 I woke up to see that my car window had been smashed. Somebody broke into my car, took my wallet and proceeded to complete XXXX transactions on my debit card totaling over {$1000.00} I gave my bank, Chime, multiple opportunities to correct this and refund me my money. Every single time they deny my claim stating that the merchants used are close to my real location so therefore it cant be fraud. I have sent them a police report I filed on XX/XX/23 stating the same transactions Im disputing. When I ask for the documents their team used to see if it was fraud, the document they send me is full of data entry mistakes. I reopened my dispute 4 times since then to have them correct this and still Ive had no luck. I really just want my money back. 
In the attach documents section I have added the police report I filed. I added it in pdf form and through screenshots on my phone. Unsure of the better format.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
AFFIDAVIT I, XXXX XXXX XXXX, solemnly declare and affirm the following facts in support of my Demand for Arbitration pursuant to the PayPal/PayPal Credit/Synchrony Bank User Agreement : 1 . Equal Credit Opportunity Act ( ECOA ) 2. Truth in Lending Act ( TILA ) 3. Fair Credit Billing Act ( FCBA ) 4. Fair Debt Collection Practices Act ( FDCPA ) I, XXXX XXXX XXXX, state under penalty of perjury that PayPal Credit and Synchrony Bank have violated my consumer rights, made false claims, engaged in credit slander, and caused significant damage to my consumer credit, all of which are clear violations of federal regulations. 

Under the Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Debt Collection Practices Act ( FDCPA ), I firmly believe that PayPal Credit and Synchrony Bank have engaged in practices that infringe upon my consumer rights and protections.

1. Violation of Consumer Rights : PayPal Credit and Synchrony Bank have exhibited discriminatory practices, including retaliatory actions against my complaints, and have failed to provide accurate and transparent information about credit terms, thereby violating the provisions outlined in the ECOA, TILA, FCBA, and FDCPA.

2. False Claims and Credit Slander : These financial institutions have falsely reported late payments and collections, which have resulted in significant damage to my credit history and creditworthiness. These false claims not only harm my reputation but also contravene the principles set forth by the ECOA, TILA, FCBA, and FDCPA.

3. Consumer Credit Damage : The actions taken by PayPal Credit and Synchrony Bank, such as the closure of accounts and reduction of credit lines, have had an adverse impact on my consumer credit. These actions have limited my access to credit, negatively affected my credit utilization ratio, and impeded my ability to obtain favorable credit terms, all in violation of the federal regulations.

4. Defamation of Character and Credit Fraud : The false reporting and credit slander perpetrated by PayPal Credit and Synchrony Bank not only damage my credit but also defame my character. This amounts to credit fraud and is strictly prohibited under the ECOA, TILA, FCBA, and FDCPA. 

I, XXXX XXXX XXXX, hereby affirm that the facts are true and accurate to the best of my knowledge. I declare under penalty of perjury that the information provided in this affidavit is complete and correct, and I am willing to testify to the veracity of these statements in any legal proceedings related to this matter.

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 2023-03-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 did not make or approve these transactions reported by Midland Credit Management. I don't know how my information such as, my social security number, address and ID was obtained while I'm in possession of my information. I suspect it was someone close to me obtained my information and used it fraudulently. I have a lot of accounts on my credit, but the transaction reported by Midland Credit Management are unauthorized, and this whole situation is ruining my credit and disrupting my life greatly. Please help me take care of this problem immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act, this creditor has violated my rights. 15USC1681 Section 602 States I have the right to privacy. 15USC1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B states A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CITIBANK, N.A.
State: VA
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 balance transfer

Complaint:
I applied for a balance transfer with Citibank XXXX in XXXX. I was given a {$9000.00} limit. Went through the online process to have my balance transferred to a XXXX credit card. When Citibank showed that the balance transfer went through and my XXXX card did not receive the payment I realized that it was sent to the wrong account. Now I will say this is my fault- I inputted one number twice for my credit card and the money was sent to XXXX. I have spent over 10 phone calls and countless hours trying to get my money back.

Citibank credit card customer service has been nothing short of horrible. 

On XX/XX/XXXX my initial phone call to Citibank I was told it would be fixed in 24 hours. 

On XX/XX/XXXX I called because it was not fixed and they told me that they would need 7-10 days from XX/XX/XXXX to start an investigation. ( I had a long conversation about business or calendar days and was not able to get a straight answer. ) On XXXX XXXX, 10 days from my first call, I was told that nothing was put in the system on the 4th and my initial complaint was inputted on XX/XX/XXXX. I was told they would need 14 days from XX/XX/XXXX and it should be fixed by XX/XX/XXXX. Someone from Citibank would call for the correct card number and to get everything fixed. 

On XX/XX/XXXX I called because I had not been contacted and the money was still showing at XXXX. Multiple service agent later I was told they had sent an email on XX/XX/XXXX saying the ball was in my court. ( I had no such email, but one did appear in my inbox 10 minutes later. ) That email said I had to call XXXX with a XXXX ID number to get my money back. I called XXXX but they said department was closed and to call back on a weekday. 

On XX/XX/XXXX I called XXXX and was told that I could not initiate the fix. That only Citibank could fix the problem. 

After multiple calls with Citibank I finally spoke to someone who put me on hold, called XXXX and came back and told me that I had to write a letter to XXXX to get my {$8500.00} back. She also told me SHE WAS THE FIRST PERSON TO CONTACT XXXX. I had been told multiple times that an investigation was being done which is why I had to keep waiting so it was very frustrating hearing 24 days into my initial complaint that this was the first step taken. In the meantime I have had to pay interest on the credit card I was attempting to use the balance transfer for. 

And then in the process of her actually being the first person to help me, 1 hour and 14 minutes into this call, the line cut off. I had not gotten the mailing address for 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 monetary relief
Consumer complaint received 2023-03-06
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Reporting company used your report improperly

Complaint:
To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from Toyota Financial Services, XXXX XXXX, XXXX XXXX, and XXXX. 

I am highly disappointed that Toyota Financial Services failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. XXXX XXXX XXXX XXXX XXXXr/Claims Resolution Representative, XXXX XXXX , informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. 

Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. 

The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. 

I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: PA
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 writing to report fraudulent charges on my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.

Company response to consumer: Closed with explanation