BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-19
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am & have been paying for 2 years a monthly amount to this DEBT COLLECTOR for AMEX. Both the debt collector, XXXX & / or AMEX refuse to stop reporting this debt as un collectable, regardless of my paying for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a family death of my mother and she is in XXXX. My family in XXXX does not know how to take care of her so I had to do everything. Around this time we are having difficulties controlling our finances and business. We talked to AMEX and they told me after financial review that once I pay off the whole balance my cards would be reinstated. Instead 3 weeks later I still see it as cancelled. Please help me reinstate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management is constantly calling my phone about a debt that I DO NOT OWE!!! I just want them to stop calling me. I once asked about the debt and they WOULD NOT tell me what the debt is or was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: DISCOVER BANK
State: NV
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:
XX/XX/21 - XX/XX/21 there was fraud charges on my Discover credit card. Large transactions from various XXXX XXXX and XXXX were made as well as smaller restaurant charges. Totaling to {$6900.00} now with added interest it is {$8900.00}. 

My Discover and XXXX credit cards were stolen but I only found out after 2-3 weeks after the fraud charges were made. 

I let Discover know right away as I caught the fraud. They issued me a new card and reassured me that I wont be charged for those transactions if they are not made by me. They did let me know they will also do an investigation regarding the dispute and that I need to file a police report as well. Which I did make. Police report is attached.

After about 2-3 months Discover added that fraud charges back into my account. They said that the reason they found it to be not fraud was because the transactions were made around my home city, I shop at XXXX XXXX frequently and the person using my card made a return/exchange. 
I spoke to the container representative that their reasoning does not make it not fraud! I let them know I did not make those purchases and I will not be paying. 

I reached out to the police department regarding my case and they told me they closed the case because from their understanding Discover had already taken the fraud charges off my account. I had to explain to them that now Discover is saying from their investigation it is not fraud and the the XXXX didnt understand why when a suspect hasnt been identified. 

I dont understand how and why they approved all these large transactions. It does not match my spending patterns at all. Discover should have declined the transactions. My XXXX XXXX credit card was declined right away when the criminal who stole my card tried to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have REPEATEDLY complained to Transunion and even placed a fraud alert on my account. They continue releasing my credit report without my authorization or these people meeting the fair use requirement. They refuse to remove these inquiries. They are as follows. 
I am disputing the following inquiries on my TransUnion Report FILE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : 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 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
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. The date last active is inaccurate and the last reported is not accurate.This ground for removal they also 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 ; it also states as a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 90 days to complete my investigation.

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 2017-05-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was involved in a military scam. The scammers were supposed to be paying back money that I would d o cash advance  and put in an " agent account ''. The payments were being pulled back. I was unaware. I would co ntact Chase to see if eligible for cash advance. The sa id yes on each occasion. I had calls from their security department several times. I called back they asked if I made a purchase, I said yes. No one on all if these occasions told me payment being pulled back. They finally sent letters saying could n't reach by phone and I had spoken numerous times. I contacted once I realized that I was involved in scam. Payments made by scammer and account was supposed to be closed and no further transactions made. This w as  XXX   -17 final  payment made in  XXXX  -17. I a gain called  XXXX -17 to inform Chase that scammer had account in there bank name  XXXX   XXXX  and provided account #. I wanted to give them scammers then security person did n't even want to deal with me or take information. On  XXXX  -17  the scammers pulled back all the payments after account was supposed to be closed and secure.. I call  XXXX  -17. T hey wo n't listen or try to help. The {$24000.00} increased to {$31000.00}. If they had told me on any of the numerous phone conversation that I had previously that payments being pulled back, I would have realized scam earlier and would n't have been out if control. I called again  XXXX  -17 I di scussed complete situation and asked why they did n't protect my account like they were supposed to, they just filled complaint and said go to small claims court. The scammers is in California.. they accepted no responsibility for not taking me seriously when I contacted before. They had their money. I had called  XXXX  because I had informed them same thing. They assured me that wo n't happen to have payment pulled back because I had Informed of fraud, just like I did for Chase,. They locked account down and forward to their headquarters. Why was Chase so negligent with my account. I realized that I made mistake and tried to rectify with them before they lost money again.. They failed to take proper action after I kept informing them of scam to protect them and me and that scammer using their bank to scam people. They basically blew me off..where are you to get help if you contact the bank where there is problem and they do absolutely nothing. This is wrong especially when I talked to an employee on  XXXX  -17 an d I was basically told account was safe now that paid and closed down. Please help this is happening to many people. When I made deposit in " agent '' for scammers Account the teller said alot of people are depositing alot if money into this account. I have repeatedly tried to tell them this and they do n't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Yes, created a dispute with Transunion, but no dispute number or response. 
XXXX The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across XXXX such plan with a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days XXXX XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Transunion to correct this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: CT
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 Account # XXXX, has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-12-14
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Hello, My name is XXXX XXXX and I am current customer of Pacific Union Mortgage. I refinanced my mortgage with them in XXXX of XXXX. I have made my payments with them on time since then and In XXXX of XXXX and I being told, that my mortgage payment will increase over {$800.00} dollars due to an escrow issue. After researching this and calling Pacific Union in XXXX XXXX of XXXX, the CSR rep at Pacific Union discovered this was a mistake by Pacific and the title company for completing excluding the school taxes and that they would reach out to the Title company to get payment from them. The guy said he could clearly see this was overlooked by both Pacific and Title and not to worry. It will be handled accordingly. He said this would be resolved in 30 days. I call back 30 days later and the CSR rep tells me this is my problem now and I should have caught this upfront!! How do you tell a customer his payment is going to increase over XXXX dollars??! Now either the title company or the Pacific Union needs to be held accountable for this mistake. They created this issue and now they need to resolve it! I ca n't afford an {$800.00} dollar payment increase! HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: RIA FINANCIAL
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Ria Financial Services ( aka Ria Money Transfer ). Transfered {$2000.00} ( order XXXX ) to an account in XXXX and they were supposed to credit the money on XX/XX/2015 - as stated in their website. Money has not been deposited yet and all they say is they will contact the bank. XXXX 's customer service is the worst ever. Once the transfer was delayed, they did n't call me or emailed me, I had to call them to ask what was going on. And they do n't have an answer or solution. Also they state the transaction as completed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/2019 hard inquiries were made without my authorization by XXXX, XXXX XXXX XXXX, and BB & T DEALER FINANCE. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX has violated my rights.

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 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Due to a change in escrow, the monthly mortgage payment changed by {$10.00}. My bank wired the old payment amount, which was {$10.00} less than the new amount. The mortgage company ( XXXXXXXX XXXX  ) held the funds unapplied and failed to properly contact me to advise about the unapplied funds and " missing '' monthly payment. By the time I found out about this issue, they reported my account 30-days late to the credit bureaus. This is not a " late '' payment but a misapplied payment. Also, they should have let me know about this misapplied payment prior to the 30 days. I've tried to explain the situation to their customer service and credit reporting departments and they've ignored my requests to correct this reporting.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: GA
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:
" US SM BUS ADMIN ODA  '' - XXXX XXXX is in violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. I did not consent nor benefit from the following information being reported on my credit report. Remove items and report positively on my credit report.. 

XXXX XXXX XXXX XXXX  -XXXX XXXXXXXX also is in violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. I did not consent nor benefit from the following information being reported on my credit report. Remove items and report positively on my credit report.

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 2015-12-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a complaint that was never resolved by CFPB. The complaint number was # XXXX. Although HSBC\HFC deemed my account eligible for the XXXX pay, and reduced my monthly payment to {$890.00}, but by the same token, has changed the condition and agreement of the deed\mortgage. They have single handedly attached the property tax to be included with the mortgage monthly payments without a closing, or agreement or consent by me. How is that possible? I do n't see how this mortgage company was reprimanded or lawfully dealt with! They are in error, ON SO MANY levels. My tax payments did not need to be paid by any XXXX, as there were no lien on the property for arrear payments. Not then or now! Each year during my chapter, I may have been short, but not enough to place a lien. This was confirmed by the XXXX Department. I would appreciate your taking another look into this matter as WRONG doing is definitely apparent throughout this whole ordeal. my constitutional rights are being violated, while this body " CFPB '' does nothing. How is that? 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Alliant Capital Management LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pre-legal department of ACM keeps calling me asking for someone I know. It is a robotic call. The person they ask for does n't live in my home, but has put me down as a reference without my knowledge. I have no idea who this company is or what this is about. It is not my debt! I 've asked them XXXX to stop calling me ( XXXX/XXXX/15 at XXXX central time and XXXX/XXXX/15 at XXXX ). When I contact them they are rude ( over talking, raising their voices, asking me if I would loan ... money ) and say they 've taken me off their list, but they continue to call. This constitutes harassment in my book. I want them to stop calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good afternoon, I'm writing for your help because currently TD bank North of MA freeze my account and held my account up bc they claim i deposit funds that were paid to me but not honor as they claim it seems fraudulent although they call the sender to confirm these. It's being held up for 14 days causing me to bounce my automatic payment, mortgage to become in default as i was trying to cure the debt since XX/XX/2022 The y have held my funds since {$5100.00} checking {$5000.00} savings {$11000.00} biz checking I have paid in fees due to the fact that my account is block {$3500.00}, now my mortgage is foreclosure totaling XXXX due immediately I also, lost money by fees {$320.00} business banking

Company response to consumer: Closed with explanation