BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times.

Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, ic3 and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A few years I saw that I had a collection open with XXXX about a debt but I 've never had XXXX so I disputed the debt with the credit bureau and it was taken off my credit report. A few days ago I once again saw that I had a collection in my credit report by Credit management for XXXX for {$1000.00}, I 've talked to XXXX about this and stated that I 've never had an account with them. I do not understand why I 'm still dealing with a debt I 've never had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: JPMORGAN CHASE & CO.
State: TX
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/XXXX, I ( XXXX XXXX XXXX sent a claim to : Chase XXXX XXXX My account ending in XXXX However, I have not received my credit back. For this reason I appeal to your help to resolve this issue. 
I attached the claim and pictures for the incident which causes mental and physical damages to my wife and me. 



On XX/XX/XXXX - The flight of XXXX, was delayed a lot ( 4 hours ), which caused us hypoglycemia and stress of so much waiting for the airplane. The flight was very unsafe and harmful to my wife and me. My wife ( with a broken ankle ) was placed in the window in the second row. Which caused her more pain, inflammation and worse injury. Because with a lot of work she entered and left that seat. Upon landing, the plane did not reach a suitable gate so that my wife could get down safely. We were taken down with a very unsafe staircase. And because of this I suffered from XXXX XXXX XXXX Regarding my wife she was lowered on a makeshift board. In addition to this, one of them ( XXXX XXXX XXXX XXXX DROPED HER and almost fell DOWNSTAIRS from the top of the stairs ( Photo included ). So I suffered from a lot of XXXXXXXX and MY XXXX XXXX RAISED and it caused me XXXX XXXXn MY Eyes ( because of i WAS scare and stress of seeing that they were going to DROP and throw my wife ) so my XXXX XXXX until to this day I have XXXX XXXX XXXX XXXX XXXX. Because of all these anomalies in the airplane and the physical and emotional damage they caused us. We demand the return of the airplane fees and pay us XXXX dollars for the damages that we suffered due to its ineptitude of the airline, in not offering security in its flights. My wife needed more care for XXXX, who gave her XXXX and crutches and put on an aerodynamic boot. And to me XXXX XXXX XXXX } I saw the XXXX and he referred me with the XXXX. For this incident I am gooiont to be XXXX XXXX XXXX THE RETINA THAT WAS INJURED BY THE FEARFULNESS AND STRESSS THAT WE got in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I accidentally opened an account with affirm.com online. My purpose was to get a credit quote, not open an account. To my surprise, when accessing my email, I found theyd opened an account in my name. I logged in to their website to close the account. The chat system would not let me close the account. I then called the designated telephone number for a live operator to close the account. I was kept on hold for over 90 minutes with their recording advising of unusually high call volume. 

They intentionally give no way to close the account and in my opinion, discourage me from doing so with extraordinarily high wait times. I do not want the account open, have no outstanding balance with them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage company keeps adding late charges to my account when my payments are made on time and I believe they are trying to put me in foreclosure. I have contacted them twice about the problem. I have also tried to submit proof that the funds for my mortgage were drafted out of my bank account before they were late by sending XXXX emails, one for XXXX 2016 and one for XXXX 2016, with attachments of my bank statement to prove it. They have said that they will not contact me once I have submitted proof of my timely payments because that could cause potential privacy issues and that I have to wait until my next statement to find out how the issues is resolved. So I send them the emails. The first time supposedly no one got it. This time I keep getting an error message that my email has been delayed. I am not sure if my email will go through and I have never seen an error message like this. I am worried that my mortgage company is trying to wait until I have three late payments or payments with insufficient funds, in order to foreclose on my property. I believe that might even happen as soon ans XXXX XXXX, 2016. One of my supposedly late payments the funds were drafted on the XXXX and they did n't deposit it until the XXXX. These are unfair business practices and I really need CFPB to help intervene or I am afraid I may go into foreclose to the dubious actions of Shellpoint Mortgage Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE XXXX XXXX XXXX AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2021, I checked my credit reports and saw that I had hard inquiries from Capital One and an auto loan from Capital One for the amount of {$10000.00}. On or about XX/XX/2021, I sent letters to the Credit Bureaus informing them that I do not have an auto loan with Capital One, and that there must either be a mistake or someone has committed fraud. All three credit bureaus claimed that they verified the account to be valid. I have also sent dispute letters to Capital One, but I have not received any response showing proof that I applied for an auto loan or that an auto loan exist. I have never applied for an auto loan with Capital One, and I have never received nor signed any documentation for an auto loan from Capital One. I have never received any money from Capital One. There has to be a mistake or someone has committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXXXXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2015-12-01
Company: Receivables Performance Management, LLC
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I send a debt verification letter to Receivable Performance a collection agency. The agency dont answer the letter. This agency report the account # XXXX to XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ). I have copy of the Certified Mail Receipt and USPS tracking card and copy of debt verication letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
It all started when my wife a XXXX XXXX  contracted XXXX and was quarantine in our home for 3 half weeks and off work for two more until she was XXXX XXXX for 10 days. I had perfect payment history and credit other than medical bills up until then. She had to file for workman 's comp and she wasn't receiving pay checks from her Work because she wasn't working and had no pto they where paying workman 's comp but it took a month half to get her first pay. that was ridiculous as well. When I told first bankcard there reply was that's not there fault she has XXXX and I'd have to pay the two months of late fees and the two minimum payments of 300 so it was 600 plus the two 50 dollar late fees so 700 dollars when we hadn't even made a payment for 50 days to anyone. We barley had money to even eat. So we had to pay the house so we would not freeze and the power was a necessity just the house and power was XXXX month. But I told them I wanted to apply for there covid relief program and when I gave them my bills they said my wife don't make enough to get the help XXXX is that we don't make enough to get help that's ridiculous. My debt to them went from XXXX to almost XXXX they have put close to 4 grand in late fees penilties so on They should be ashamed for targeting people in need of their understanding and they are making money from it. I was sickened by this and I might add that my other two cards through XXXX XXXX they dropped my payment to XXXX dollars a month from XXXX and dropped interest rate from 19 % to 1 % and said take as long as you need just pay the 61 now that's a true caring company. I have ruined credit now can't refinance my house because of this and am harassed up to 10 times a day from the company. It's sad and I hope something can be done because I am sure I'm one of thousands there making money off of in this time of need and pandemic. 
Thanks for your time and help .... 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 2016-09-15
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I contacted Transunion to have the FRAUD ALERT and Security Freeze removed from my Consumer file in order to proceed in the Home buying process-Transunion is giving me a hard time. I was transferred about 5 times only to end up not having this issued resolved. I was told the system was down. I NEED TO HAVE THIS RESOLVED ASAP or I will lose my Pre-Approval.

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 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 learned that a credit card was fraudulently opened in my name at Bank of America. They used my address, email, SS #, and email address to open the account, but wanted the cards sent to an alternate address. I called Bank of America and cancelled the card prior to anything being charged.

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 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.

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 2015-07-31
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Advised me that as long as I set up payment plan with them they would not report to credit bureau. As soon as I started payment they reported it to my credit. Then I called and they said when I finished payment they would remove it. Then they said they never said any of that. Then they refused to provide me with the transcripts or recordings after I repeatedly asked. Then said again they would remove from my credit report and did n't. Refused to provide me with my communication with them. They also called me after I paid saying I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE ANNUAL CREDIT REPORT AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX 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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE XXXX XXXX XXXX AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX 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 2021-04-20
Company: Experian Information Solutions Inc.
State: FL
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:
This XXXX was fraudulently placed on my credit, i was added without my knowledge or permission to that account. I also called the company " XXXX XXXX '' and they didn't have my information listed on the account as well. I also gave " XXXX '' my information and this account was not there.

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