BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX : I made phone call while living at XXXX shelter to TD Bank/Target Guest Services to inform them that I was following up on my credit card account because I had received notification that my account had 2 late payments on my credit report and that the balance was not mine. I informed them that I wanted to open an dispute for the late payments to dispute through their bank and have them remove them from my credit report, in addition to update the in appropriate balance on the credit card statement. 
I explained that this was because I was a victim of XXXX XXXXXXXX and I was living in a shelter with my children and I had no personal phone and no direct mail access. The address on file was my permanent address but my mother was not in communication with me for safety reasons and therefore I was unaware of due balance. 
The lady stated she would open a dispute but did not provide me with any details or case number for reference prior to phone call ending to verify the debt and allow me to dispute charges. 
This debt is not mine. My identity was stolen and credit was used while being attached to XXXX XXXX and in person charges as well. 
XX/XX/2023 : I received notification that the account was closed and placed in collections and that they felt debt was valid. 

There are XXXX late payments reporting with XXXX account # XXXX in XXXX and XX/XX/2023. 

There is also collections/charge off reporting in XX/XX/2023. 

I did not agree to give access the person who stole my identity to make these purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently got a statement in the mail from the collection agency Aldous regarding a blink membership.I had XXXX in the past but paid my balance in full. Aldous collection sent me a copy of the membership agreement, and the name is the same as mine but the address is a completely different address and the method of payment on file doesnt match my checking account. 

This lead me to believe that another XXXX XXXX owes this balance, yet it is being reported under my name. I've tried to work out this confusion with Aldous directly but they were little to no help at all. 

Attached is my receipt from a XXXX XXXX  proving that I paid my balance, and the membership agreement and collections notice I got from Aldous.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: Experian Information Solutions Inc.
State: CO
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 have multiple issues with a XXXX XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I don't remember opening this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I started paying on the account because I'm unsure of what to do. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month. I've sent for a letter of validation and I'm just told it's verified and I owe it. They can not produce a signed document with my name on 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 explanation
Consumer complaint received 2023-11-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The claims that XXXX XXXX has on me aren't valid. They have been charging me for months I was not on the premises. 
Below, see the attached document proof from other organizations that you can not only reach to validate but also confirmation from XXXX XXXX themselves that I left XX/XX/2023. 
They clearly messed out by removing me as a renter, and because of someone's screwup trying to have me pay what I don't owe, I'm not paying because it is not right, especially at these times. 

Flat Rate will show. i left XXXX will show what i rented with a friend, XXXX will show i lost my job during that time, so i had to leave. 
Proof of signed paperwork was something i did with them to get out of the lease break because of my job loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-06
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an open account with CareCredit managed by Synchrony, who I've historically paid off debts with before. But I recently changed jobs so my pay schedule changed and screwed up my entire monthly schedule. I've been trying to sort it out but I still didn't have my deductions yet and needed to make sure I didn't overspend and miss rent. My account with Synchrony for the balance was 9 days overdue and last week they started harassing me. Between XX/XX/22 and today XX/XX/22, they've emailed 4 times, texted 3 times, and called ( with voicemails ) 3 times - all of this was automated. I had missed a {$30.00} payment and it was only due XX/XX/22. Furthermore, that doesn't include of the physical correspondence they've sent by mail. What's worse is that when I called back angry after being woken up on a Sunday, the 3rd day in a row, it was very difficult to get past the automated system to a person. Their number goes straight to a relentless AI system. And while the rep I spoke to was very kind to me, I told her that I had protections under the law from harassment and I could withdraw consent to receive calls. I was told by the rep that the calls would continue unless I paid or specified a date that I could pay, and that Synchrony does this knowingly to distress people until they pay even if they don't realistically have the means. I understand that this debt is mine and I'm trying to problem solve but I will not be harassed and bullied over a {$30.00} payment. We are people and unexpected problems happen to everyone. These companies get away with the most abhorrent practices and spit in the consumer 's face - I mean this is medical debt for XXXX 's sake. And I'm very much not out of the woods right now. Perhaps if they would use business tactics that align with human behavior more efficiently, they wouldn't have to harass and threaten people into paying.

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 2023-10-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: SC
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:
So in the month of XXXX I sent validation and verification letters to XXXX  and experian asking them to remove all of the accounts that were listed on the letters that i had sent them and they have still not fix the problem can you please look into this problem for me 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 2022-02-23
Company: John C. Heath, Attorney at Law, PLLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid for service through Lexington Law to fix my credit and for months they didnt do anything to help me at all. I had to dispute old accounts that were paid and closed or even over seven years old that needed to be removed from my credit reports and I paid XXXX a month for way over a year with no results. I dispute these accounts on my reports but over and over even the credit bureaus dont respond. Im so sick of spending so much time to get my credit score to where I can finally have a good score and its a constant situation that gets nowhere. I shouldnt have to jump through hoops

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company is telling me they have no knowledge of this open account. it was opened on XX/XX/2016. I'm trying to request a new card and it isnt showing up in their system. This account is showing up on all my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a XXXX. student in XXXX working on my XXXX. The school suggested I use XXXX XXXX. To the best of my memory the cost was {$69.00} which I gave them my American Express card number. I finished my work with XXXX XXXX. Each year since then I have received an expense to my American Express card in the amount of {$320.00}. Each year I have gone to XXXX XXXX to end the service. Ending the service requires the user to go online access their account and click the button to end the service which I have done. Each year I have disputed the charge with American Express with no resolution. After many years I have had enough. In addition to the expense, I have realized that it is not only XXXX XXXX that I am being victimized but American Express as well. Each year following the dispute, they tell me that XXXX XXXX provides documentation reporting that I have a subscription for the service. I respond that I do not have a subscription. American Express sides with XXXX XXXX and does not provide me any documentation provided to them by XXXX XXXX. American Express reports that they will block this vendor from accessing my account. When I spoke with them and mention that they tell me the same thing each year with no success, they simply say that they can not access accounts older than 9 months. The XXXX XXXX charge from XX/XX/XXXX was just placed back on my account in XX/XX/XXXX. They did offer me reward points. 
I reminded them that reward points are not dollars and that the {$320.00} represents after tax dollars. There seems to be no end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Consumer Adjustment Company Incorporated
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For over 8 years this company has produced false information concerning the original date of this transaction and has threatened my credit and financial security. The latest tactics are changing the date to XX/XX/XXXX  to keep my credit in jeopardy with XXXX, XXXX and XXXX  for the amount of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently viewed my credit and noticed a collection agency, ( Convergent Outsourcing, Inc. ) from XXXX for {$1500.00}. I contacted XXXX and they have no information on me after I requested documents/contract that was signed. I do not recall this account, as I was going to make a police report I was told by the officer that I need to show them proof of validation on what is being reported under my social but Convergent Outsourcing and XXXX seem to now have anything, according to the agency the account was opened on XX/XX/2016. I was a victim of identity theft a few years ago and was reported to IRS as someone was trying to claim me as a dependent.

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 2023-11-11
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2023 the number of calls has increased. I dont mind one or two a day, but its every few hours every day now. I had one before XXXX XXXX. Its always a different number and always the same recorded message of Hello? Hello? On the voice mails. And every call leaves this voice mail. Not deleting them would fill my mailbox up to max capacity quickly. Is being an issue all the way around. And changing the location and telephone number each call seems suspect. It makes it seem more like a scam even though I know its not. Robo calling for debt collection and location spoofing seems illegal.

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account on XX/XX/XXXX with XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/XXXX I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : I'm partially deaf therefore, primarily use email for communications.

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 2019-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Im in the process of refinancing my loan. 
My current loan is with Franklin American Mortgage. Due to the government shutdown early this year my loan was placed in forbearance however I was never late on any payment and my loan was always kept in good standing. During the refinance process the under writer requested a letter from Franklin mortgage stating my loan is out of forbearance, in good standing and that Franklin would remove the forbearance issue from my credit report. Franklin agreed to sent a letter to the under writer in 24 hours on XX/XX/XXXX today is XX/XX/XXXX and there is no letter. 
My credit report continues to be affected and so is the refinance process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
See the attachments for : -Bank of the West notification to me of a breach in my online banking account. 
-Bank of the West Complimentary Service Offer for one year subscription for " Identity Guard '' credit monitoring and theft protection service. 
-Redemption Code and instruction to self enroll by XX/XX/XXXX. 
- ContacXXXX number for Questions. 
- Features to include " 3-Bureau Credit Report and Scores ( provided by Credit Expert )... etc. 
- Signatory on the letter by " Corporate Security Office, Bank of the West '' I enrolled in late XX/XX/XXXX. 
- I attempted to access and review my account in late XXXX or early XX/XX/XXXX. 
- The account was empty of any data other than my contact information. 
- Identity Guard explained to me that Bank of the West " had not paid '' for the service. And instructed me to call Bank of the West. 
- After a half dozen phone calls and hours on the phone ( various dates ) with BoW customer service people and supervisors on XX/XX/XXXX I was told by a woman in Online Banking that 1 ) they had found the letter, 2 ) were working on it and would be in touch with the resolution. 
- I followed up on XX/XX/XXXX. After 45 minutes of discussion with underlings I am told by " XXXX '' in XXXX Banking that they have no such letter and the issue doesn't lie with Online banking, plesse call the number provided in the letter. He then hung up on me. 
- I called the number in the letter again. For the third time they transferred me to Online Banking. 

8 months after the breach I still have not received the monitoring services or even a phone number for the office that sent me the letter.

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