BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-22
Company: First Data Corporation
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A check which I wrote to XXXX for {$25.00} was returned, and I received the following email from XXXXXXXXXXXX : Greetings from XXXX. 

XXXX uses TRS Recovery Services , Inc. ( " TRS Recovery Services '' ) to process customer payments made via electronic bank account transfers. TRS Recovery Services has been notified that your financial institution was unable to process a transaction relating to your recent XXXX order ( s ). Some of the more common reasons that this may occur include, mis-keying account numbers and/or routing numbers, omitting digits to account numbers or recent changes to your financial institution 's ABA Routing Number and/or account number structure. 

You may be receiving, or have already received, a telephone call from TRS Recovery Services regarding this issue. This contact was authorized by XXXX. 

Most processing errors are correctable with some simple changes to the electronic funds transfer request. TRS Recovery Services has a toll-free number you may use to contact them in order to provide the information necessary to reprocess this transaction. This call should take just a few minutes, provided you have your banking information readily available. 

Please call ( XXXX ) XXXX ( outside of the US, call XXXX ), Monday through Friday, between the hours of XXXX XXXX. to XXXX XXXX. CST, or Saturday between the hours of XXXX XXXX. to XXXX XXXX. CST. 

Both TRS Recovery Services and XXXX appreciate your response and attention to this matter within the next XXXX business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow two to three business days for your payment to clear. 

Please note that we have placed your XXXX account on hold pending resolution of this matter. This means that you will not be able to access your account/order information online. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding. 


Sincerely, Account SpecialistXXXX.XXXXI called TRS Recovery Services at the number and gave a card to pay off the {$25.00}. They took my card and informed me that I had paid. I asked if the sum was {$25.00} and, for the first time, they informed me that I was charged {$50.00}, including a {$25.00} fee and that my account was in collections. I had not been informed that I had been sent to collections, the communication informing me of the debt had neither the amount of the debt nor did it disclose that it was an attempt to collect a debt. It also did not notify me of my right to dispute. I was only notified that I may dispute the {$25.00} fee when I complained about it. They reversed it, but indicated that I would still owe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21
Company: The CMI Group, Inc.
State: NY
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:
XXXX XXXX XXXX ( XXXX ) in XXXX was my triple play service provider ( Cable, Internet and VoiP Phone ). I terminated service. A XXXX technician came to initiate service for the new customer taking over service. The XXXX technician took equipment back ( DVD-R, peripherals ) and said he would report that he had taken this equipment back. Now, I got a bill from {$180.00} from XXXX which when I called was told was for this very equipment which XXXX alleges was never returned. I said this was an error. XXXX put me in collection with Credit Management LP to collect this {$180.00} which I do not owe. I called Credit Management LP to explain I am disputing the debt. Credit Management LP has told me that I need to provide all sorts of personal data ( new address, SSN, etc. ) in order to properly file with them my debt dispute notice. XXXX and its agents are in the wrong, abusive and overbearing. I request : cease and desist, annulment of debt and a redress of any notice of delinquency on my credit reporting. Please help me. Thanks

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: First Data Corporation
State: TX
Product: Other financial service
Sub-product: Check cashing
Issue: Excessive fees

Complaint:
My complaint is about TeleChek. I had occasion to visit my local urgent care clinic and since I had left my purse at a local restaurant I grabbed an old checkbook out of a drawer. When the bank notified me of my mistake I went back to the urgent care clinic and wrote them another check. I later learned that TeleChek was refusing to authorize my check and was told to contact them. When I told them what happened they demanded {$30.00} before they would authorize any more checks and also collected ( again ) the fee for the urgent care center, which I had already paid to the urgent care center. I tried to explain but was told either I pay or I can never cash another check again. When I asked for a supervisor I was told non available. I wrote telecheck and complained, asked what government agency was responsible for them and they told me the wrong agency. I finally found out the right agency, wrote to them, no answer. I feel like I have been blackmailed. I never contracted with Telechek. They are not my bank. I do n't understand what right they have to fine me for making a mistake except that they have the power to deny me ever being able to cash another check. Thanks for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: First Data Corporation
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Telecheck recently reared its ugly, and lying head again. This time XXXX Ran my account through both XXXX and Telecheck, and negative information was reported. I have filed XXXX LAW ENFORCEMENT REPORTS, COUNTLESS AMOUNTS OF AFFIDAVITS THEY HAVE DEMANDED AND AS RECENT AS A WEEK AGO THEY CLAIMED THEY DELETED IT. AS OF FRIDAY, THAT WAS UNTRUE. I AM SICK OF IT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I used my TD Bank credit card to purchase XXXX baseball jerseys. After receiving the first one, I realize that the website was a scam and they were not authentic as the website indicated. Additionally, the website would n't give me an address to return the item. I spent several hours arguing the issue with TD Bank and requested a refund through the dispute office. They claimed that I did not submit enough information even though I feel like I did. Also, TD Bank is now saying that they ca n't refund me because it has been too long since the purchase even though I notified them of the issue the day that I received the jerseys. The website that I made the purchase from has since been identified as one selling counterfeit items : XXXX I believe that TD Bank did a very poor job in representing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$980.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY 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 2021-03-17
Company: EQUIFAX, INC.
State: NY
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 AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 AM A VICTIM OF IDENTITY THEFT

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 2015-04-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have a mortgage with Chase. They have forced placed flood ins. on our property and we can not get anyone on the phone that even knows what a flood map is.Please reply asap the bare charging us 6000 dollars a year and we are not in a flood zone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: GOLDMAN SACHS BANK USA
State: HI
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: Card was charged for something you did not purchase with the card

Complaint:
My Apple credit card with Goldman was charged for something I did not buy. There were two charges from the same company. XXXX for {$5.00} and another for {$67.00}. I contacted Apple Card support to report the fraud charges and the immediately adjusted the balance for the {$5.00}. Then I was sent emails stating that the issue was resolved. They did not do a balance adjustment for the {$67.00} but I got an email stating this was resolved because You decided not to dispute the transaction which I did not agree to. I called a somehow got an agent that told me it will take two months to investigate the charges. I asked about the email they sent stating that I decided not to dispute the charges and she said it will take two months to investigate the charge. Now I get no response from Apple Card support. Please help with this issue and force apple support to do its job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. <P/>Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. <P/>To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. <P/>I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. <P/>Thank you,

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 2022-11-04
Company: Avant Holding Company, Inc.
State: MD
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:
I contact Avant because I paid early for my credit card on XX/XX/XXXX instead of XX/XX/XXXX. Avant charged me a late on XX/XX/XXXX for paying early and it made went over {$18.00} which I paid. Now Avant is charging me {$42.00}. 

Avant is charging me a late fee for making a payment on XX/XX/2022. My bank account demonstrates I paid Avant on XX/XX/2022, my payment is due XXXX XXXX. Then they charged me a late fee on XX/XX/2022. 

Then it went over {$18.00} which I paid now they want me to pay {$42.00} which is unfair and deceptive practice because I paid early. They are trying to enrich themselves with interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company, Monterey Collections, they are a dirty company. I submitted a complaint against them around XX/XX/2016. They removed the collection which was reporting a balance of {$1000.00} and reported it as a new collection for {$1000.00} ... oh and they still have not responded to my first document I sent them. I hope the FTC nails their CEO and fines these pety low lifes back where they belong. Sad imagine who else they 're doing this to. I have never bough anything from this company ( for like literally the 11th time ). 

Monterey Collections has severely violated the FDCPA, FCRA, and the FACTA on more than 1 occasion. 

I have all the docs I just have n't uploaded them in. I do feel good though sharing with the world how this company truly is.I 'm filing other complaints directly against their CEO and staff this afternoon. 

Thank you for assisting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Dear Real Time Solutions Please provide Assignment dated XXXX Title Policy dated XXXX Explain why Real Time Resolution does not appear on title report Who is Beneficiary Explain why Real Time Resolution did not respond to reopening of bankruptcy to file a proof of claim or respond to motion to VOID lien. 
Explain who should have responded Have RTR received copy of VOID lien from bankruptcy When were you noticed creditor had filed bankruptcy before or after Real Time Resolution purchased an I collectible debt - as there was no equity when Real Time Resolution purchased in XXXX while debt was in bankruptcy Why did you not notice bankruptcy attorney of record of purchase of servicing rights Real Time Resolution was not a creditor however appears to have known of bankruptcy XXXX XXXX XXXX sent a copy of reopened bankruptcy in XXXX that was forwarded to Real Time Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am contacting you about XXXX overdraft fees that were placed on my First National Back checking account. I contacted the costumer service department on XXXX XXXX about these fees and was told that someone will contact me about them. No one has contacted me at all. 
On XXXX XXXX 2015 my account balance was {$13.00}. I also deposited a check for {$15.00} on XXXX XXXX which was a XXXX so I knew it would not clear until the following XXXX. I spent {$8.00} with my debit card on XXXX XXXX at a XXXX gas station. The bank is telling my that the XXXX purchase overdrew my account because that purchase was pre authorized for {$20.00}, which I did n't have in my account so it overdrew. I did not spend {$20.00} I spent {$8.00} which I did have enough to cover. XXXX other transactions after that got overdraft charges put on them after this. 
This is not the XXXX time I have had problems with this bank. I filed a complaint a while back and the took off the fees. I am asking that the XXXX overdraft fees totaling {$110.00} be returned to my account. 

Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My Direct Express was charged {$1000.00} for a XXXX. Direct Express never contacted me, it wasnt until my card was declined that I learned about the charge and that I was overdrawn by {$200.00}. 

I contacted the vendor and they informed me they had already submitted a reversal, but it is not showing up XXXX my account. 

I have called Direct Express and have currently been on hold for 7hours total ( this is literal ). After the first 4 hours a rep answered, she saw the charge but needed to transfer to another department Ive been on hold with them for 3 hours. 

Direct Express does not have an email option, another phone number or online chat. The website says we can write them a letter. The same site says to dispute a transaction I must notify with 2 days to ensure the maximum amount I will lose is {$50.00}. 

I also called Comerica Bank ( the parent company ), there advise was to call and not select any options, I tried that and I was disconnected. 

How is it legal to provide no options when a persons money is involved? I am legally XXXX, I receive XXXX XXXX  monthly from XXXX, I dont have spare money. I am literally without a dollar until this is settled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt and this debt do not belong to me.

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 2022-11-04
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: Information belongs to someone else

Complaint:
Please help, I noticed inaccurate accounts associated with my credit reports from XXXX, Equifax, and XXXX. For the past three to four months, I have called as well as mailed all three companies to immediately remove said accounts from my report. My XXXX credit report is showing a charge off with an amount of {$8300.00}, ( charge offs should not carry a balance and should be deleted from my report ). As well as two inquiries that I did not authorize ( plus they're not associated with any open accounts ). My Equifax shows that I have two charge offs for {$8300.00}, {$1000.00} and two inquires. These two should also be deleted as stated earlier regarding charge offs and unauthorized inquires not associated with an account. XXXX shows two charge offs for {$8300.00}, {$1000.00} and should be deleted. They also should update my consumer report to reflect these changes. They have failed to do so and it has cost me greatly the access to obtain credit. My interest rates are higher, I am unable to get a mortgage, and live a decent life with my family. Please help me by enforcing these companies to take action by removing the accounts I have mentioned in the letters I have sent to them. 

Your service is appreciated. 

God bless,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I late XX/XX/2022 my phone was hacked. Resulting in my XXXX XXXX  app being hijacked and XXXX of checks deposited, funds transferred to Cash App, XXXX purchased and sent to bitcoin wallet outside of Cash app. After this occured every check that was deposited was returned for insufficient funds. Since i had my XXXX account for so long the checks were immediately deemed good funds. XXXX has found in my favor deeming transactions to be fraudulent and processed chargebacks to Cash app. Now despite many attempts to resolve from XXXX to current asking what the next steps are if i continue to disagree, they have been very difficult to get any help. Cash app is still saying im responsible for the negativr balance of {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: First Credit Services Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent LVNV a certified letter on XX/XX/2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XX/XX/2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.

Company response to consumer: Closed with explanation