BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
We request your action against an online merchant 's fraud. The merchant charged our credit card after the order was cancelled. 

The merchant has provided deceitful reason to justify for charging our card. The merchant claimed to credit card company that it advised that it will not be able to issue credit back for the merchandise that had been already shipped. The Merchant did not advise it to us when we placed the order. 

We placed single order to merchant and cancel it in less than 24 hours before it was delivered. Although the merchant 's representative, XXXX XXXX XXXX, Account Manager confirmed the cancellation of the order via email, the merchant is fraudulently holding our credit for delivery of partial order that too after 5 days of order cancellation. 

We also request to take an action against the XXXX XXXX as it fails to receive our many from the Merchant even after 3 months and closed our billing dispute twice without getting our full credit back from the merchant. Merchant 's representatives XXXX XXXX and his supervisor, XXXX XXXX XXXX failed to respond our numerous phone calls. They failed to respond our email notice dated XXXX XXXX, 2016 for possible fraud charges for holding credit of cancelled order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$15000.00}, {$9700.00}, {$2500.00}, {$8800.00}, {$3000.00}, {$1500.00}, {$470.00}, {$3300.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 
-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$3300.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not 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 2017-03-27
Company: EZCORP, INC.
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I was issued a check from ez Corp. For a settlement agreement for XXXX but received the check after the date when I would have been able to cash it I have reached out and have been told by there corporate office they will not re issue the check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Sunbit, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I was going over my credit report and found this account ( Wakefield and Associates ) on all 3 of my reports. I 1st tried to contact Wakefield and Associates by phone on XX/XX/2022 to have them send me any information on this medical bill debt. I received no answer from the number provided on my credit report. I then disputed this debt with all 3 credit bureaus over the phone and they came back as being verified. So I then sent a certified letter to Wakefield and Associates on XX/XX/XXXX asking them to please send me information to verify this debt, I did not receive anything from them. I sent one last letter to all XXXX credit bureaus asking how they verified this medical bill to be mine and correct and I have not received anything but an alert on my reports that this medical bill was again verified. I also sent one more certified letter to the collection company Wakefield and Associates on XX/XX/2022 and still have not received anything to verified this debt. This company is also adding {$3.00} almost every XXXX  weeks to this debt. So if they can add more money to this collection every XXXX weeks or so they can answer the letters I have sent as well as a call I placed to get answers. I am trying to do the right thing and its making my score drop and keeping me from reaching my goals of homeownership and I am now at the end of my rope and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I mailed a cashiers check XX/XX/2022 for the full payment on a debt owed to Portfolio Recovery and the debt is still showing as unpaid as of today. I spoke with a representative a week ago who stated that they had not received the payment. I tracked the check through USPS which stated that the check was in fact delivered to them in XXXX of 2022, the check has not been cashed as of last week. I have spoken with multiple representatives who have informed me that they are looking for the check in the office and for me to continue to call back to follow up. I informed the representative that I would like to rectify this situation and clear this balance seeing as though Ive made the payment almost two months ago. The representative disconnected the call at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: The Bureaus, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After sending 2 certified letters requesting the original purchase agreement bearing my signature, I have yet to receive it. A printout with my name on it from any computer is not validation of any debt. The Bureaus Inc. stated that I opened accounts with stores I would never even shop at back in 2016 and still do not shop at today. At XXXX XXXX XXXX, I was not even thinking about credit due to focusing on my studies. As stated previously, I've never owned a credit card! 

Additionally, after looking up the license for the Bureaus Inc. they can not legally collect on anything in the state of New Jersey because they don't have a license to do so. I wish for them to stop harassing me and remove the negative information off of my credit report because I have never had any credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was affected by COVID-19, I lost my job, I reported to OPORTUN the financial companies that I could not continue to temporarily make my payments due to the pandemic. they replied that there was no problem. my last payment day is on XX/XX/2020 and until that date I deviated {$3300.00} dls. I got my job back on XX/XX/2020 I made a payment of {$110.00} USD on XX/XX/2020 and I realized that they were charging me interest for {$430.00} USD. they did not mention those charges. they didn't say anything when I notified that I was affected by COVID-19

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I received a call from ARA inc. they claimed that they bought the debt on a XXXX XXXX account in my name. I told them i have never had a XXXX XXXX and they told me i was lying and they had proof. They then read me every address Ive lived and all my employers from a copy of my credit report. They claimed that the address matched bills payed on the XXXX XXXX to my past addresses. They stated that they i have excellent credit, and i better pay up before they ruin it. They stated that they matched the signature of a truck i purchased in 2003 with the signature of the XXXX XXXX application. I requested proof of the debt, which they overnighted, showing a debt of {$11000.00}. I called XXXX XXXX with the account number they profived and they confirmed that the account was in collections to a XXXX XXXX with a different age social. I called ARA inc. back to inform them of the mistake and they told me i was lying, that again they have proof it is my debt and that they will be informing my creditors and employer of the outstanding debt. ARA Inc. have the details of the account which show that is not mine yet they got a copy of my credit report for the purpose defrauding, and harrassing me into paying a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a call from capital one stating that there may be fraudulent charges on my account ( an account I had but never used ) a total of {$28.00} was charged, I confirmed for them that they were fraudulent and that I did not make them and I would like the account closed as well! I have spoken with multiple representatives that have taken my security questions and my personal information and told me that it will be closed, I am now receiving mail saying that I have not contact them and I will be responsible for the charge I just received another statement saying if I do not pay the XXXX that I will be charged a {$35.00} late fee?? can someone please help me get the fraudulent charge removed and my account closed so I never have to deal with capital one again?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2021 I found out that I had a debt owed to my car insurance company from a previous policy that had been closed, my understanding was the policy would transfer to my new vehicle. I paid it immediately to get it resolved however it was already send to a collections agency. The cost due was {$120.00} paid in full on XXXX XXXX. My payment was made through XXXX. My credit report with XXXX shows the payment date was XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received repeated calls from transworld systems incorporated on phone number XXXX for a debt I do not owe. The company seems to think I owe money to a hospital, however, all my debt is paid. The company keeps asking me for personal information and I refuse to give it to them as I can tell it must be a scam. They get angry with me when I will not confirm my date of birth or any other information and refuse to mail me documentation and proof of bill or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My bank account was seized on XXXX/XXXX/XXXX by Midland funding LLC. My joint accounts with my children were also seized, the have nothing to do with this debt. In total, XXXX accounts were seized, whereas only XXXX is mine. My children are not named in the court documents, only my bank. Where they got that information I do not know. I certainly never gave it to them. I received no certified or registered letter of court documents, and when I contacted Midland Funding those documents miraculously showed up on XXXX XXXX, XXXX, 6 months after the court date, and after my account was already seized. It has now been 70 days, and Midland has still not released the hold They took all of my and my families money, which was n't that much to start out with. This has caused much hardship. There are fees included in my court documents that are frivolous. No XXXX served me with papers, yet there is a fee of XXXX for that. Miraculously, the XXXX office also sent a document in late XXXX XXXX, I feel to cover themselves, and once again well after the fact. This is unacceptable, and has devastated me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: LA
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:
Not being able to access my Consumer File.

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 2022-05-17
Company: CITIBANK, N.A.
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2020-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PREVIOUS CHASE LOAN NUMBER XXXX THE ABOVE LOAN WAS TRANSFERRED TO XXXX IN UTAH AS A NEW SERVICER ACCORDING TO CHASE LETTER IN XX/XX/2020. 
THEN WHY ARE CHASE INTERFERRING WITH MY HOME INSURANCE WITH XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor have I authorized these companies to run my credit. Please remove it.

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 2022-05-17
Company: Prosper Marketplace, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a line of credit from a online banking company for XXXX with a high XXXX of 32 % I was not aware of this fee until I was approved. My bank loan me XXXX with a monthly of XXXX. Yet this banking company used unfair trade practices to decive people of XXXX. I had a XXXX credit score. The payment on the loan is XXXX. Please help restore my credit and hold this company accountable for fraub

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 2022-05-17
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account aXXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX. I received a call from FMA Alliance trying to collect a debt for XXXX XXXX. I contacted the agencys to report the identity theft but I did not received any response. I was instructed to send the police report trough email, but they never responded. I have an identity theft reported, multiple accounts for utilities were opened under my name fraudulently. A police report was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Collection attempts still being made after chapter XXXX by this specific collection 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 2015-08-12
Company: Western Portfolio Assets
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Well fist they keep calling my parents and they even called my other family members. I think that 's on the border line of harassment. They said them will sue which they are a debt collector which makes no sense. Also it 's not a debt anymore it 's just a bad investment. They also said I had a car loan which implying they will seize that really????

Company response to consumer: Closed
Consumer complaint received 2016-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I just was made aware of the CFPB 's Consent Order against Portfolio Recovery Services ( case # XXXX ). I believe I am one of the victims of their unlawful collection tactics. Back in 2012, my wages were garnished by Portfolio in the amount of {$3600.00}. Portfolio did indeed use the tactics as described in the Consent Order in my case and I believe I am due a refund and have any negative credit report information rescinded. Attached are copies of the Case Summary against me filed by Portfolio along with my XXXX credit report showing negative action from Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2016-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I had a credit cards previously that were charged off. I filed bankruptcy in 2013 that discharged all of these debts. Portfolio Recovery Associates is now trying to collect on one of those debts even though all were included in the discharge. I have sent them a letter telling them to stop calling me but they keep calling.

Company response to consumer: Closed with non-monetary relief