BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I created a dispute about an account record that still exists on my XXXX  account for a debt that has been paid since XX/XX/2020. The account says " paid in full '', but the record still shows as " 1 collection account ''. This is keeping me from getting a higher credit score and damaging me personally. 

I contacted XXXX  to find out why the paid in full collection account is still being reported on my account and they told me to contact Transworld Systems to get the paid in full debt report removed. 

When I contacted Transworld they told me they do not remove paid in full debt reports from bureaus like XXXX. 

If neither of them do this then how in the heck do I get it removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XXXX I signed up for a credit card promo where if I spent XXXX dollars on a credit card I would receive XXXX bonus points. I met those qualifications about 5 months ago and after numerous communications with American Express I have still not received my points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: E. A. Uffman & Associates, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been reporting and damaged my credit report says I owe {$2300.00} for something that they say I rented on XX/XX/2016 from a company called XXXX  and I have not I have disputed this collection many of times as not mines identity theft with the credit bureau and they still says I owe this account I have requested proof of this account that they say belongs to me and the information I received is unverifiable the address they have does not belong to me the telephone number is not mine nor does it has my signature I don't understand how they was able to even report this under my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: VA
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi CCS COLLECTIONS / XXXX AN XXXX COMPANY ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Medical Data Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX, paid on account {$40.00} ; XXXX XXXX, XXXX, paid on account {$100.00} ; XXXX XXXX, XXXX, paid on account {$40.00}. 
On XXXX XXXX, XXXX, day of the XXXX XXXX procedure after I made the payment I had asked if we would owe anything else. The representative informed me the only amount that I should be billed for would be {$40.00}. 
I never received a bill for {$190.00} at all and did not know about it until I checked my credit report. I do not appreciate this being sent to collection agency without any notification and finding it 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 2018-12-25
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collectors Name : DIVERSIFIED CONSULTANT Account Info : XXXX Creditors Name : XXXX Date Opened : XX/XX/2017 Balance : {$2500.00} Debt : {$2500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
All credit inquiries for XXXX XXXX are not mine I called companies they put report but nothing happened

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 2021-07-18
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent two letters to Midstste collection. One trying to verify the debt, and the other asking for method of verification. I havent received anything from them and its been about 90 days. I also added in the letter requesting to delete the misinformed info off my credit report immediately if verification such as a written signature isnt provided. Im trying to buy a house and my loan officer stated that this negative collection is brutally hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Out of nowhere this XXXX debts is added to my credit files from a collection company called Caine & Weiner. I tried calling them but they are stuck on their own beliefs without any proof of what a actually owe. Contacted them on XXXX, 2021, and again on XX/XX/2021 to no avail. I want this removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received calls and letters from this collection agency threatening to take action against me if the debt in question is not paid by me. I have explained that this debt is not mine, that it is a result of identity theft and I have furnished the collection agency affidavits and other documentation in hopes that their collection efforts will cease. The last documentation I sent was sent to them via certified mail. This agency continues to harass me in attempts to collect a debt that is not owed. The credit reporting agencies have flagged my file with the appropriate documentation to reflect the identity theft fraud and so should the agency.

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 2022-08-05
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchase XXXX {$500.00} visa prepaid cards from XXXX on XX/XX/2022 and i found the next day when i tried to use the card that the balance on both cards were zero. 

When i checked the card balance on the website, i found out that the card balances were completely drained via XXXX x {$250.00} transactions on each card at the same time at XXXX. 

i have tried calling XXXX at their number XXXX XXXX XXXX at least 10 times the last XXXX weeks and no one seems to answer beside the automated message informing they are busy with high call volume and " to call back later ''.

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 2020-11-28
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've already tried to work with Navient on repaying my student loans.. I'm XXXX sick of them ... they are horrible! I can't afford {$200.00} plus dollars a month for payments. I need my payments lower. They are not trying to work with me!! And why is it that the federal government allows them to take advantage of people trying to repay student loans. I feel like you all want us to live in poverty!!! Come up with a way that allows me to lower my payments!!! This country is absolutely horrible because of the way we are treated over student debt.!! For the record I will always give them a low rating because they don't work with individuals repaying student debt. Student loans were created by XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions 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:
There is a fraudulent account reporting on my credit report. This account was already removed from my XXXX  report because it is proven to be fraudulent. I have submitted a complaint with the FTC in in regards to the XXXX account on my report. Please remove this fraudulent account from my report. Thank you so much for your help during these troubling times.

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 2019-06-05
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX and XXXX 2019 I made several large purchases from a XXXX XXXX totaling in the amont of {$2700.00}. I had purchased recklessly so I revisited the merchant and returned all of the items I had purchased. The merchant indicated that within 5 to 7 business days I would be credited back to my bank account. I was reimbursed XX/XX/2019 for a total of {$42.00}. I Immediately contacted bank and expressed the matter and opened a dispute against the merchant. I was assured that within 10days the dispute would be resolved or a provisional credit of sorts would be issued to me. During the course of the next few months I contacted the Bank about this dispute and requested the provisional credit. Each time the bank stated that the disputes team would be in contact with me very soon, with an update. During the time several support emails had been exchanged stating that the investigation was still taking place. On XX/XX/2019 the bank issued refunds and credits for the total amount of {$2600.00} however it immediately issued reversals and forced debits to my account in the amount of {$2600.00} and issued me an automated message via the support message saying that it apologizes but there was a system error and they are working to correct the issue. I contacted the bank expressing my anguish, need, and confusion, and it replied that the investigation was still underway and that someone from the disputes team would be in contact with me. I continued to reach out the bank several times each week until finally I received a message on XX/XX/2019 from the disputes team stating that the merchant had Five business days to reply. I asked what that would entail, the disputes team clarified that if the merchant did no reply that the dispute could be closed and found in my favor. XX/XX/2019 I reached out asking why I hadnt been reimbursed because the reason I was given. The disputes team failed to respond to me. I then sending messages stating that I would escalate this case to the CFPB because it was illegally how this bank was and still treating me, and then it caused the disputes team to reply on XX/XX/2019 requesting I submit to them documents associated with visa by XX/XX/2019, I complied with their request and sent the documents to visa directly myself as well as to them. However I still have not received my money the bank continues to withhold these funds from me and ignore me completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-29
Company: CCS Financial Services, Inc.
State: MS
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:
Progressive sold this debt to another collection agency ( Credit Collection Services ) Date Opened with Collections XX/XX/2023 Balance Updated on XX/XX/2023 Account No : XXXX Amount {$400.00} This account is fraudulent and debt is not mine. This account have been disputed before and the account is still resurfacing on my credit profile and affecting my credit rating. The police report will show that I am a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: WLCC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am not sure who this company is, however they continue to email after i have asked them over the years to contact me in writing if something is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: WI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX Balance XXXX {$2.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-06-05
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I initiated balancing my checking account. I accessed the BBVA Compass Bank website to download my recent statement for this purpose. While reviewing my account I noticed a debit transaction had been initiated on XX/XX/2019 in the amount of {$44.00}. The vendor name is XXXX XXXX. I did not initiate nor authorize this transaction. I immediately called BBVA Compass but received an automated message that the security department was closed and please call back during normal business hours. What? Fraud can be perpetrated 24 hours a day. I immediately blocked my debit card on the BBVA website to prevent further use. On Monday XXXX at XXXX EDT I called XXXX and spoke to XXXX about my discovery of this fraudulent transaction. He said that there was nothing they could do until the transaction posted to the account and my money sent to this apparently fraudulent merchant. My debit card was cancelled by XXXX and the process of issuing a new one started. I was advised that it would take 7 business days to receive a new card. He also stated that a new card would be issued free of charge. Today, I checked my account and the transaction posted last night ( XXXX ) and now the {$44.00} was withdrawn from my account. I called the security department today ( XXXX at XXXX ) and was told that an investigation would take place and if found to be fraudulent the money would go back into my account within 10 business days. I searched the internet to find a contact number for the 'vendor ' but there was no contact information on their website ( XXXX ) and in order to go further on their website you have to create an account profile. I declined to do this. 

I realize that in the world of fraud {$44.00} is a small amount, but since I haven't worked in over a year, every cent in my account is precious to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery are reporting two outdated accounts on my credit. I called Portfolio and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with Portfolio for a year now and they are still violating the Laws of the FCRA

Company response to consumer: Closed with explanation