BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving notification XXXX XXXX XXXX was suing me on behalf of American Express for an invalid debt I contacted them several times. 

Initially, I informed them on XX/XX/2019 at XXXX XXXX  CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. 

After speaking with XXXX XXXX XXXX office manager on a second call on XX/XX/XXXX at XXXX XXXX  CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. 

Without my knowledge and in opposition to their statements and instructions XXXX XXXX XXXX failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and XXXX XXXX XXXX won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. 

After recieveing a default judgement on this invalid debt XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the XXXX XXXX  XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Siggi LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX I enrolled in XXXX XXXX XXXX. I included a loan with Omni Financial. In XX/XX/XXXX I contacted Omni and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact Omni Financial. XXXX told us that they sent them a letter as well as a power of attorney acting on our behalf. Last month we had this conversation with Omni Financial and stated that they were not allowed to contact our references on our account. Today ( XX/XX/XXXX ) Omni attempted to call my house phone, with a private person 's cell number that I did not know. XXXX XXXX XXXX. Then she proceeded to call my mother in law at XXXX. My wife called her back and again, we explained the situation and that this debt is enrolled with XXXX XXXX and that they have been told before not to contact our references. I explained that I was going to contact your agency because this is harassment. We have been in contact with this company from the beginning. They are supposed to communicate with XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off 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 2020-02-24
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received any communications from this company regarding any bills from XXXX XXXX XXXX. Back in XXXX I went to XXXX  XXXX  which is part of the XXXX  XXXX  network to get a procedure. After receiving the bills in the mail, I sent XXXX XXXX  a check to settle any balance owed at that time. atatched is copy of the letter as well as th check sent to XXXX XXXX. You will also see atatched a copy of my bank statement from XX/XX/XXXX showing the check of {$100.00} which has the number XXXX has been cashed by XXXX XXXX/XXXX  XXXX. so after the check has been cashed, per the letter, the account balance should have been zero and closed. so I'm surprised to see that XXXX XXXX XXXX, after two years is reporting false information on my credit report and trying to collect a debt who doesn't exist and that was settle two years ago. Since it has been more than two years, I can't get a copy of the actual cashed check but if you look at my bank statement, on XX/XX/XXXX XXXX, the check number " XXXX '' has been cashed and it is the same exact check number/amount on the letter sent to XXXX XXXX/XXXX  XXXX. I called wells fargo to request a copy of the check and hope they can email it to me asap

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 2020-02-24
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX DO NOT NOR HAVE I EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX. 
XXXX XXXX XXXX Reported : XX/XX/2020 {$170.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: Williams & Fudge, Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently submitted a claim against an outsourcing company called XXXX. They responded to my original complaint today stating they outsourced this debt to different collection agencies. Spoke with XXXX  Recovery and Williams & Fudge and are aware that I have spoke with XXXX  XXXX  regarding identity theft. They suggested I report identy theft to the FTC ( which I did ) so all communication would stop regarding this debt. They also stated and I quote " Nonetheless, as XXXX XXXX continues to alleged that this account was fraudulently opened, we have recalled her account from Williams & Fudge and have placed it in a " FRAUD-PENDING '' status. '' I just received an email now from Williams & Fudge with instructions to clear the debt. Obviously XXXX did not do as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 HAVE BEEN ASKING THIS COMPANY FOR A YEAR NOW TO SEND ME DOCUMENTATION WHERE THIS ACCOUNT IS MINE,. 
I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX ( XXXX XXXX XXXX? 
I AM ASKING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY XXXX XXXX XXXX  Reported : XX/XX/XXXX {$8700.00} Closed OTHER LOANS XXXX  XXXX XXXX # XXXX Reported : XX/XX/XXXX {$230.00} Needs Attention XXXX XXXX XXXX # XXXX Reported : XX/XX/XXXX {$400.00} Closed XXXX/XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed

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 2020-02-24
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this collection previously and have not received validation of this debt. I am taking further steps to verify that this debt is accurate.

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 2021-03-24
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX  XXXX  is charging me {$430.00} for an appointment that was not mine and impossible for me to partake in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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/2019 there was a credit balance on my account of {$180.00}. I tried to contact HSBC customer service several time but sometimes it goes to XXXX, other times it goes to XXXX  and they put me on hold. I have to wait several minutes to get to speak to someone and they again put me on hold.

One of the worst customer service.

I should have received my check two weeks ago. Never received my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: JPMORGAN CHASE & CO.
State: CO
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:
Chase calls me and hangs up frequently. The Chase app directed me to call about settlement. I did. They made no offer to waive late fees. Some of fees were charged on payments that were 1 ( one ) day late. When I became unemployed and told them that was all the income I had they want to put the entire amount on a payment plan while not negating any interest or fees. Trying to work it out with them doesnt help when they are not communicative and continue to charge fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX was removed. And put back on

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 2020-02-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company has filed information that has damaged my credit ( XX/XX/2013 ) amount {$440.00}.

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 2020-02-24
Company: National Credit Systems,Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX phone call about debt from National Credit Systems in XXXX Georgia. 
XX/XX/XXXX returned phone call Advised that they had mailed paperwork to vacant apartment EVEN THOUGH the original ceditor was advised of the address several times by email. 

Nationals credit services ( Ms. XXXX ) advised that this would be reported to the credit bureaus no matter what and that yes, they had mailed it to the vacant apartment, and nothing was mailed to the co defendant ever. 

There is no judgment. 

The debt is inflated no inspection report was ever filed Shifty and vague about explaining to me how to dipsute, since they never provided me notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Ive had numerous complaints with this company. Last month I paid my normal payment one day before the due date, the total was {$490.00}. 25 days later I was called and told I still owed {$10.00}, this wasnt true my payment and contract states my monthly obligation of {$490.00}, I was forced to pay the {$10.00}, and late fee of {$35.00}. This means this company continues to force me to pay fake fees and adds late fees whenever they see fit. 
On XX/XX/XXXX, my credit report indicated I owe {$13000.00}, I havent been late ; Ive made XXXX payment and XXXX payment and my updated credit report shows I now owe {$14000.00}. This means despite paying {$490.00}, my entire account balance increase {$300.00}. This company continues to do fraudulent stuff and I cant continue to absorb this cost. Please help!

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 2019-01-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have written these credit bureaus on numerous occasion in reference to reporting inaccurate information. I was never late for any payments on my XXXX XXXX account. 
I have never missed any payments on mt XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX account. 
I do not have a written contract with XXXX XXXX XXXX that states I owe {$330.00} which is incorrect. I also do not have a written contract/agreement with XXXX  XXXX XXXX that states I owe {$1700.00} which is inaccurate. There is also an inaccurate balance of {$1100.00} for XXXX the accurate balance is {$0.00} XXXX XXXX  XXXX inaccurate balance of XXXX the correct balance is {$0.00}. XXXX XXXX XXXX inaccurate balance of {$2200.00} the accurate balance is {$0.00}

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 2020-02-24
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received my escrow analysis dated XX/XX/XXXX. The second page reflected the incorrect amount of taxes to be disbursed in XXXX  ( for the XX/XX/XXXX installment ) as {$1500.00} - higher than the actual amount of {$900.00} ; also making the page 3 projection incorrect. ( Taxes are collected bi-annually, with different disbursement amounts for each installment. ) The error in the analysis created a shortage of {$810.00} - which is not true. I was given the choice to pay the shortage up front or add it to my monthly payment. 

On XX/XX/XXXX I called Roundpoint Cust. Svc and emailed them proof of the tax amount scheduled to be dispersed for the XXXX. installment, as per their request. I had previously emailed them the same bill in XX/XX/XXXX. I also requested a new analysis to be prepared. The only good result is they disbursed the XXXX. taxes for the correct amount ; however, I have not received a new analysis. Since I did not feel confident that they would prepare and send the analysis, I sent ( via mail ) a notice of error to them on XX/XX/XXXX along with a copy of the analysis and proof of the tax amount. I have not heard anything and my billing statement for XX/XX/XXXX reflects a higher tax amount being collected including the shortage. I called again last week but the person in the tax department did not seem to be knowledgeable. He said that I now had an overage, but I believe he was looking at the amount left in the escrow account, not whether an analysis would result in an overage or shortage. Again I explained the situation and requested a new analysis and new monthly statement. 

I have an ACH on the first of the month - next due XX/XX/XXXX and have no idea what amount they are going to take. I warned them of that and they said I would not have to change my ACH, as they would deduct the new amount. I have no idea if that is correct information or not. I fear that if they take the higher amount it is simply going to make the matter worse and more difficult to correct. Also too, I am not sure whether I even trust that they will deduct the correct amount, or whether my payment would be rejected. If there is still an shortage after the new analysis, I would pay it upfront. I am running out of time before 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 explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: MO
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:
The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Amsher Collection Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and noticed Amsher Collection Service on my credit report. I immediately sent them a debt validation letter that was mailed on XX/XX/2021 asking for What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : On XX/XX/2021, according to USPS tracking, Amsher received my debt validation letter. It is now XX/XX/2021 and Amsher has not validated the debt nor has sent me any response. This collection company has violated the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TD BANK US HOLDING COMPANY
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX TD  BANK N.A. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation