BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the collection accounts, it is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no recollection of this collection. Talbot, Adams & Moore / XXXX. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Ceannate
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I agreed to work with FMS Investment Corp. ( FMS ) XXXX XXXX XXXX XXXX XXXX, IL XXXX to rehabilitate my school loans. However, there have been calls made to my place of employment as an " emergency '' and the notes are being delivered to my classroom during my instructional school day.Also, not only do I receive excessive calls throughout the school day, they also call my husband 's phone excessively. 

The calls are daily and begin at XXXX on XXXX phones and do not stop until XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my loan is with Green Tree servicing fell behind by a mth on my mortgage they are holding payments in suspense and will not apply them I also made a XXXX XXXX payment a year ago the amount was given to me by my then account manager XXXX was her name I need proof that that was applied also I have asked for a loan modification package that the hope hot line told me to ask for I have left messages with my new account manager XXXX also requesting this modification package and she will not return my calls I pay my loan every mth and have proof of it they are trying to say I owe them over XXXX dollars this is not true as I have proof of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received in the mail yesterday, XXXX a statement, which looked like junk mail. I give the junk mail to my niece to play with. When cleaning up after her, I caught a glimpse of this paper from Midland Credit Management ... saying they are a debt collector and I have to XX/XX/2016 to pay off this debt or legal action will take place. Its states, Original Creditor XXXX XXXX I called XXXX XXXX and was told my account was written off 5 years ago and I owe XXXX XXXX. They stated it could have been sold to a third party. I received a called from my niece 's grand mother XXXX years old, two weeks ago stating someone had been calling her home looking for me ... I do n't even now this lady very well or never used her or her family as a reference ... had to instructed her not to give any information out ... why would you harassed an XXXX year old woman. Apparently they did file a suit in another state against me without my knowledge. There has been zero contact with this company except for this junk mail letter ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company is aware of my dispute yet has not updated on my credit report that the account is disputed which is a direct violation of the FCRA. They also can not provide me verification of debt as I have requested. My social is XXXX date of birth XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT. THE ACCOUNTS ARE CLOSED AND HAS BEEN PAID FOR IN FULL. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that AMEX complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased an airline ticket with XXXX XXXX on XXXX XXXX. Along with the cost of the ticket itself, there were charges for ancillary services associated with the air ticket. ( See attached AMEX Statement 1 ) Within the time period provided by XXXX XXXX for cancellation and refund ( 24 hours, if I recall ), I cancelled the reservation. XXXX XXXX explained they were refunding all of the charges. Over the following days, XX/XX/XXXX-XX/XX/XXXX, credits for the flight were issued. ( See attached AMEX Statement 1 ) This attachment shows XXXX charges associated with the original ticket purchase and XXXX credits posted to the account in equal sums. 

As of this date, XXXX XXXX, there was a charge posted to my current billing statement posted to my American Express card for one of the charges associated with the ticket. ( See attached AMEX Statement 2, see {$190.00} XXXX XXXX charge. ) In speaking with XXXX XXXX, they are not able to look up receipts for tickets issued longer than 14 days previous. They were not able to explain what the charge appeared, despite my explanation that the charge was posted now, not in XX/XX/XXXX. They are filing a request for the receipt which will come within 14 days. 

In speaking with American Express, they find XXXX charges on my account associated with the original ticket. XXXX of these charges is for the {$190.00} authorized on XXXX XXXX, but posted on XXXX XXXX. However, they find XXXX credits associated with refunding the original ticket. Their assumption is that XXXX issued all of the credits, but not all of the charges. They assume XXXX realized the error and issued the {$190.00} charge in XXXX based upon a XX/XX/XXXX authorization. 

If this is the case, then I will also be seeing a sixth charge posted to my account in the coming months should XXXX realize the error. This sixth charge, the largest of {$970.00}, already appears on my account statement. American Express representatives explained they do not find this charge on my account. Therefore, it remains unclear if this charge has or has not been posted by XXXX XXXX to my account. 

I would like to know if there is any obligation on the part of the vendor to post charges in a timely manner, based upon the authorization date. 

What seems the error of XXXX XXXX is causing great difficulty as the XXXX charges should have already been posted and refunded. As you might imagine, news that the charges are appearing in XXXX from an error in XXXX severely complicates my monthly financial budget. 

It seems that there should be a fair and reasonable window for vendors to post a charge that is reasonably within the authorization date. It is not intuitively fair that the reconciliation calendar of XXXX XXXX accounts should so heavily burden my own monthly billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Ditech Financial LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
GREEN TREEXXXX XXXX, SDXXXX ( XXXX ) XXXXXXXXThey are stating that I had an auto loan with them back in 2006. I have never had any loans or dealings with Green Tree. I do n't even know who they are to be honest. How can I get this taken care of?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: William D. Meeker Enterprises, Inc.
State: IL
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 are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, CIC CREDIT add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Privacy

Complaint:
I sold my business in XXXX of 2013. The person who bought it from me never paid the practice and my lawyers are working on that. Ihad credit card debt with an American Express Gold card that I have hadfor XXXX years. I explained to phone counselors on several occasionsthat it will get paid, once the buyer pays me. 
A few days ago, and without any authorization from me, a women namedXXXX XXXX left a message on my husband 's office general voicemail which everyone heard saying that I had a credit card dispute whichneeded to be cleared up. 
Yesterday she CALLED MY XXXX IN XXXX XXXX TO TELL HIMTHEY WERE LOOKING FOR ME!!!! That is a complete and totalinvasion of privacy and, according to my lawyer a violation of theFederal Fair Debt Collection Practices Act. How could they contactmy husband 's son ( we just got married and I am mortified by this )? 
What 's next? Calling his ex wife?? His siblings? His parents?? 

What can be done about this violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: AutoBank Financial, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My husband and I purchased and financed a car from this establishment had problems with them from a start but eventually moved away and continued making our payments ON TIME and never contacted them again. My husband unfortunately got into an accident and was car-less for 4 months. Was a total loss. We called AutoBank Financial a week before new years and a day or 2 before XXXX to ask if they got the paycheck from our insurance for pay off and we asked them if it cover the full amount and they said yes. On XX/XX/XXXX i found out AutoBank Closed our account under FALSE pretenses making both our credits go down significantly, saying that we still owe money towards that car and have not paid. We called them MANY times asking why they told us it was paid off when it wasnt and asked for receipts of what was paid and the remaining amount and they kept giving us the run around. Apparently no one in that place knows anything because we spoke to manager and customer service and no one knows how to answer our questions. Truly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked Portfolio Recovery Associates for proof of debt in the way of the original documentation showing my signature or that I agreed to these credit card debts. I have only been provided statements again and again since XX/XX/XXXX and no contractual proof The last letter received from the is dated XX/XX/XXXX & XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
capt one XXXX chgs for for XXXX, XXXX XXXX each, this ventor was informed in the time frame to cancel. They cancel a XXXX chg as they could not provide the services of a search, and I informed them in the XXXX day period to cancel. They did n't and keep chging the acct XXXX twice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Idaho Housing And Finance Association
State: TX
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:
Open new account line with Idaho Housing Financial without my permission.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I actually never once received a bill from either the medical company or the debt collector. I only found the bill myself when I was purchasing a home and it was on my credit report. I called about XXXX numbers before I found XXXX working service. I paid the bill because I dont want it on my credit, but I never received a bill or phone call from either company. I had moved during the time of service XX/XX/XXXX until now XX/XX/XXXX but had my mail forwarded each time. I would have received communication had they called or sent the bill. This hospital had several bill for me during this time and never sent a bill to me for any of them. I now have to have this on my credit because the debtors wont take it off even though I never recieved anything for it and tracked it down myself and paid it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
very very very old debt, out of the statute of limitations, paid in full years ago, and the company has a collection agency attempting to collect the same debt again and its expired from 6 years statute ... I have sent them cease and desist letters and they have not complied. please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding took over my charge off a XXXX XXXX XXXX and has since upped what I owe by over {$3000.00}. How am I supposed to make good on a past debt when the collection company uses a tactic such as this. How can Midland Funding charge me additional fees and interest when I never contracted with them, nor have I ever spoken with this Company. This is predatory and unfair to myself, the consumer, when I am trying to work out paying this debt back. I am beside myself at what to do at this point.

Company response to consumer: Closed with explanation