BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been more then 30 days and i haven`t received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several phone calls were made to the collection agency as well my insurance company. On XX/XX/2014 the sum total of {$560.00} was billed to me after attending the ER. I have insurance coverage for that, but yet I was billed for the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: IN
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 am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay 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 2018-01-27
Company: NAVY FEDERAL CREDIT UNION
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: Card was charged for something you did not purchase with the card

Complaint:
My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Navy Federal Credit Union Card Card XXXX XXXX XXXX XXXX XX/XX/XXXX Notified Navy Federal of fraud charges on my account on XX/XX/XXXX, XX/XX/XXXX. and again on XX/XX/XXXX to no avail. 

The fraud charges are : XX/XX/XXXX XXXX {$420.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX  bill {$1.00} XX/XX/XXXX XXXX  bill {$39.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX bill {$39.00} XX/XX/XXXX XXXX bill {$29.00} -- -- -- -- -- -- -- -- Total on XX/XX/XXXX {$620.00} And likely more charges since then. 
I sent USPS mail every month and they simply ignore it. Asked them to cancel the card as fraud and send a new one to stop the fraud and it is my requests go on deaf ears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
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: Account information incorrect

Complaint:
The FCRA recently passed a law stating that a person or business must have permissible purpose to initiate an inquiry. Section 604 I have contacted the credit bureau recently and they have not sent me any information showing that I have any of the companies permission to pull my credit. I have asked them to send me documentation or a Copy of an agreement or even my ID showing I have the company permission or that they had permissible cause, and they have failed to do so. I also informed them that an fraudulent address in MD has been used to try and obtain credit in my name. Ive never been to or lived in MD. I havent even visited. 

Accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a XXXX transfer through my wells fargo account in the amount of {$280.00} on XX/XX/22 and right after I did it I realised that I was scammed, I immediately called my bank to cancel it, they said its impossible since it has been posted, thery offered me to submit a claim and a few days later I received a letter from my bank saying that the other institution refused to refund the money, I am desperate and disappointed Please help me with further instructions Thanks

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 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
account information does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: KY
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 disputed the inaccurate negative information from XXXX XXXX XXXX. I made a purchase with XXXX XXXX  XXXX XX/XX/XXXX and did not receive it. I was told by XXXX XXXX  XXXX the merchandise I ordered was no long in stock to re ship to and that I would recieve full credit for the merchandise. On XX/XX/XXXX I was sent an email stating my account was credited and it may take up to 10 days before I see the credit. In XXXX I start receiving collection calls from XXXX XXXX and I informed them that XXXX XXXX XXXXXXXX credited my account and I should not have a balance they transferred me to XXXX customer service and I was told on 4 different occasions that it was taken care of. After seeing my credit report along with getting a statement in XXXX I realized that this is becoming a problem. I recently called and was on hold for 4 hours and was promised that this was taken care of and I am still getting collection calls from XXXX XXXX. On top of that Experian gave me the results of their investigation and stated that the debt was accurate. Im sick of having to put in these long hours trying to resolve this matter and I keep showing them the email that was sent to me back on XX/XX/XXXX STATING MY ACCOUNT WAS CREDITED. Attached is a screenshot of a call that I was on hold for 4 hours and told it was going to take care of and a screenshot of the email that was sent to me from XXXX XXXX XXXX Customer Service.

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 2019-05-16
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Allegiance Accounting Services, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX i was called from XXXX at Allegiance Accounting Services , LLC. Stating i owed a debt for a payday loan from XXXX. I simply asked for a " vaildation noticed '' to be sent to me. After i asked that question she started screaming at me telling me if i did not pay the debt now i would be summonds to court an procuscted. I simply asked for proof of debt in written an she agian screamed at me saying that this debt is past this point. And refused to give me any proof of this debt. Number they call from is XXXX!! Call them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested that Hudson City Savings Bank provide me a copy of the monies that were allegedly paid by XXXX XXXX in 2005 for my Hudson City Savings Bank mortgage so I can sell my house. It is by far and wide NOT acceptable practice to rely on pieces of paper filed by others claiming the mortgage was " Cancelled of Record '' without providing SATISFACTION of mortgage and RELEASE OF LIEN along with the required DISCHARGE OF MORTGAGE. I have been warned about being scammed and not getting what I am entitled. I am unable to sell my house because without the requested documentation. I can just take a mortgage stamped " CANCELLED OF RECORD '' and find a buyer to go by my house when there is not proof of title insurance and the sellers signed the Affidavit of title for XXXX XXXX XXXX XXXX, N.J. when the correct address is XXXX XXXX XXXX XXXX N.J. XXXX has no record of getting the money from XXXX XXXX who no record of paying the money. I need to sell the house but the problem is just like many other people on XXXX XXXX there is a major XXXX  SCAM going on right now go to the XXXX  XXXX site and plug in my address using XXXX XXXX XXXX XXXX, N.J. XXXX and with will retrieve MIN XXXX Now plug in the NON EXISTENT address of XXXX XXXX XXXX XXXX N.J. XXXX you will come up with the MIN XXXX The big problem is they did this for the ENTIRE BLOCK. Please just let me know that you don't have these records because the mortgage was never issued. This happen all over on my block. We all know that it is just about impossible to find a buyer to plunk down {$500000.00} and tell them that you have no proof of the MORTGAGE BE SATISFIED and that you have no proof of THE LEIN BEING RELEASED and there is no proof of the DISCHARGE OF MORTGAGE and on top of that NO TITLE insurance. I am being subject to severe financial harm and anyone would agree please either get me the requested documentation of explain or explain that there was no documentation to give because there was no mortgage. Racketeering draws in people from all walks of life and just plug in any address on XXXX XXXX and XXXX XXXX and you will now what is coming soon. Incidentally the closing attorney XXXX XXXX XXXX was requested to correct the many " mistakes '' he made at closing and has not even made an attempt. XXXX is a sitting XXXX JUDGE ... ..This is not easy but it will get done!!

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 2019-05-16
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I made a mobile deposit into of XXXX into my bank account from my employer, who uses adp for all payroll activity. Citi bank then froze my account because they couldnt verify the authenticity of the check I called them on Monday, XX/XX/2019 to have them unfreeze my account and they said they couldnt until the check, from one of the biggest payroll companies in the nation, had aged for six days.  During this time money that I had made as an independent contractor for XXXX had deposited in to the account, an amount of {$200.00}, and I didnt have access to that money because my account was frozen. I called again on Thursday, XX/XX/2019, and they were finally willing to unfreeze my account, but I still do not have access to the deposited check for XXXX, and they informed me I wouldnt be able to access that money until Monday the XX/XX/XXXX, more than a week after I made the original deposit. The bank will have received the funds 5 days after a deposit is made and the bank is not giving me access to the deposit until twice that many days has passed.

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 2019-09-12
Company: Receivables Management Corporation
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-12
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: Was not notified of investigation status or results

Complaint:
Hello, I been talking to Experian by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX   XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2019.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read XXXX   XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, XXXX XXXX XXXX re inserted the account back on my credit report XXXX XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency Experian has investigated this matter twice and now the report comes back as verified or XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of Experian as they tell me the can find anything that says this matter was deleted from my file

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 2022-02-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX XXXX card. In XX/XX/2021 I had to have the card replaced and since the my reward points are accruing but I am not able to redeem them. I contact them in XXXX and was told this is a known issue they needed to send it to a management team and my rewards should show up in 1 to 2 billing cycles. Called again when the rewards were still not available for use the end of XXXX/beginning of XXXX Was transferred around between the bank and amazon with everyone telling me it was the others issue. Finally spoke with a manager again was told that the request would be submitted again with apologize of course and told again 1 to 2 billing cycles. Speaking with them again today XXXX and all any one can do is submit the form again. This is my 3rd call and going on 6 months trying to get the rewards that they are saying I earned. My rewards balance as of XXXX is XXXX. No one is willing to call me back to let me know that it is resolved just that I will have to call back in 2 months if it is still not cared for.

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 2019-09-12
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased this card last year. I used the card several times. ( A list activation is below along with the transactions that I did make. **see the ending balance of $ XXXX Date Category Amount Running Balance Merchant Details XX/XX/XXXX Value Load -- Activation {$200.00} {$200.00} XXXX XXXX XXXX XXXX, XXXX, US XX/XX/XXXX Purchase Original Sale - {$21.00} {$170.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX US XX/XX/XXXX Purchase Original Sale - {$16.00} {$160.00} XXXX XXXX XXXX XXXX, XXXX XXXX, US XX/XX/XXXX Purchase Original Sale - {$37.00} {$120.00} XXXX XXXX XXXX XXXX , XXXX XXXX , US XX/XX/XXXX Purchase Original Sale - {$67.00} {$57.00} XXXX XXXX XXXX , XXXX , US XX/XX/XXXX Purchase Original Sale - {$13.00} {$43.00} XXXX XXXX XXXX XXXX , XXXX , US Someone had fraudulently used the card to purchase the transactions below on XXXX ( not by myself or any family member ) I have also contacted XXXX and they confirmed the purchases were NOT made by me or my family. 
XX/XX/XXXX Purchase Original Sale - {$30.00} {$13.00} XXXX, XXXX, US XX/XX/XXXX Purchase Original Sale - {$13.00} {$0.00} XXXX XXXX, XXXX, US I sent Blackhawk Network every piece of documentation that they requested. Which was a copy of the card front and back, a copy of the affidavit disputing the charges. A copy of the activation of the card. I even confirmed through customer service that they received this information. I even sent them the email from XXXX where they told me the purchases were not made by me. I attempted to get XXXX to reimburse me the charges and charge it back to the person that committed fraud. 

I then received an email yesterday that told me that I did not send them the required documentation and the purchase receipt for the card. I assure you ( and have proof that I sent this information to them ) They NEVER told me I had to provide a receipt. I purchased the card last year, who keeps receipts from a year ago? How would I know all the transactions and be able to confirm where I shopped if I was not the purchaser of the card? NOW they refuse to respond to me, and additionally when I call their customer service XXXX they have a message where they will not speak with me. The company is Blackhawk Network Holdings , Inc. the website to view the card which is XXXX. They have removed everything related to my card on line and refuse to speak to me by phone. 
This is information from the dispute form. 

Mailing Address : Email : Fax Number : ATTN : Cardholder Dispute Services XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX

Company response to consumer: Closed with monetary relief