BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Fair collections and outsourcing is wrongfully reporting on my credit bureaus. i 've sent requests registered mail to the bureau three times to investigate and they keep concluded that the account is valid, but in over 3 months of sending letters requesting proof that the debt belongs to me and it is a debt that i signed for with this company, to date no proof has been furnished. i sent an email to the company on XXXX XXXX, 2016 demanding proof straight from the source. i stated if you can not supply me with proof of this debt please remove the debt from my credit bureaus. i received a response from XXXX XXXX stating that she would investigate and get back in touch with me. i have received absolutely nothing i even sent a follow up email and i 've received no response. this is not my debt and they have it unfairly listed as a collection on my credit and i want it removed. i need to find a new residence and this is severely hindering the process and i could soon be homeless. where are the rules and regulations that govern these lying thieving companies from imposing undue and unfair negative information on well to do consumers. where is the justice. what is FCRA if it is useless and the laws and regulation by which they govern these entities are a big joke?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: MO
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 Filed numerous FTC to try to resolve the issues related to unconfirmed accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Grant Mercantile Agency
State: NV
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:
On XX/XX/2022 They are stating the amount owe {$2900.00} now the amount has increased to {$4400.00} I write have Grant Mercantile Agency requesting them in writing to send me a letter method of verification used in original contracts. As of today they have not sent me original contact signed. I sent round of letters the account still remain and have nor been fully validated. 
I am asking for help with your department to look into this. They have increased the amount monthly. This is hurting my credit a lot. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making payments to Mohela while I 'm in school. They are missing XXXX of my payments according to their website. It is very difficult to comprehend payments received on their website. I 've asked for an itemized list of ALL my payments and they do n't seem to be able to send it. I 've verified with my bank, XXXX, that they have received all my payments. I can send a list of my payments from my bank if needed. They should be able to provide a document saying what I 've paid to date so I can match that with my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
How ever many attempts to speak with XXXX per operator. They state he should called me back than they transfer Me XXXX and said he would called me back.XXXX if this number is right still no called from your agency 's of Transworld collection. Now since XXXX sent my loan to Tranworld no one answer the phone for the whole of this month, I need to speak with someone about my loan please help someone from Transworld Collection thanks. As of XX/XX/2016 no answer please someone help this retired senior citizens please help some body hear my cry. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: WELLS FARGO & COMPANY
State: MT
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:
Wells Fargo removed {$3400.00} of fraudulent charges from my account. They sent me a letter on XX/XX/XXXX confirming we completed our research about possible unauthorized charges on your credit card account, and have found that XXXX of the charges was made without your permission. As a result, on XX/XX/XXXX, we credited {$3400.00} to your account, plus all applicable finance charges and fees. 
Today, XX/XX/XXXX after applying for an auto loan I was told that I have remarks on my account indicating Wells Fargo has taken me to collections for this exact amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
There are fraudulent inquiries on my credit report that I did not authorize.

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 2016-02-03
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
A XXXX cell phone debt that was sold to AFNI, and previously discharged in my bankruptcy, ( both XXXX and AFNI received notices ) is reappearing as a recent XXXX 2015 .collection by AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : T XXXX XXXX # XXXX XXXX Account name : Original Creditor # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1666 - Correction of billing errors A creditor may not treat a payment on a credit card account under an open end consumer card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX XXXX, XXXXDear Sir/Ms ; I have requested American Express to remove a negative item on my credit report, but they have declined. The event occurred in XXXX through XX/XX/XXXX. I closed my account with American Express and entered an agreement with American Express to pay the balance in monthly installments. I was reluctant to do this because it would be reported as a late payment on my credit report. I was told by the American Express representative that it would not have a negative effect on my credit because it would show that I was making monthly payments on the account. This was true for the first two months, however after the third month, my credit score dropped XXXX points. I immediately paid off the balance and thought my score would recover. However, two years later it has not and my understanding is that this will be on my record for another five years. 

I was a long time card holder with American Express and always paid my bills. If you look at my credit history, you will see that I have never been late for a payment on any account. I do not think that it is fair for this negative information be on my credit report for another five years. Also, the intent of the negative report is to reflect that I was unable to pay the account. This is false, which is confirmed by the fact that I paid it off immediately when the huge negative affect on my credit was made known to me. It is also misleading to show that I was late in paying my account when I was actually paying it off with monthly payments. 

I feel that I was given misleading information regarding the impact of the payment plan on my credit report. If I was told the truth about the impact on my credit, I would not have participated in the payment plan. I have XXXX requested the transcript of the phone call that I made to American Express where I was given the misleading information, and I have not yet received a response This is having a negative impact on the loan rates that I are available to me. I am also in the job market and I am concerned about this having a negative effect on prospective employer background checks ( which access my credit history ). 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In 2016 Costco ended its partnership with the XXXX XXXX XXXX Credit Card and started a new partnership with Citibank Credit Card. I have and continue to have the XXXX XXXX XXXX XXXX as my daily credit card. 

Citibank opened up a credit card without my authorization or approval or even knowledge and opened it because I had a Costco/XXXX  XXXX Credit Card. I never charged anything on the Citibank Credit Card and never opened it or gave authorization. 

I then started getting statements from Citibank that I owed annual fees and late fees and interest on these membership fees. When I explained that I never wanted this credit card and never gave authorization to open this card and never charged anything on it, I was continually told by Citibank that it was mandatory that every Costco/XXXX  XXXX Credit Card holder had a Citibank Credit Card opened. 

Citibank never budged when I explained that I never gave authorization to open this credit card and I should not owe fees for membership in a credit card I did not want and did not give authorization. 

Well, 4 years later I went to get a mortgage and on the credit card report it says that Citibank wrote off {$67.00} for me and then gave me a 9 ( the worst ) rating to the credit card agencies as punishment. 

This has damaged my credit card statement and is costly in getting a loan. {$67.00} write off and then a punishing 9 rating for annual fees, interest and {$0.00} charges on a credit card that I never wanted, never used, and certainly never gave Citibank authorization to open a credit card for me. 

This is punishing to me, not only was it a nightmare trying to get rid of a credit card that I never authorized, but now I found out that Citibank was vindictive and damaged my credit card report because of this. 

This does not seem appropriate and I would ask the Consumer Financials Protection Agency to start an investigation into Citibank regarding this abuse. 

Please email me with any questions or concerns Thank you for your help, XXXX. 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 2016-07-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am looking at my Credit Report for the first time in a very long time, and I am shocked by the things that are reported that are not of my doing.

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 2016-02-03
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
This is a complaint against Pentagon Federal Credit Union my member # XXXX. A check number # XXXX in the amount {$980.00} was cashed XX/XX/XXXX. On review of my bank statement for taxes recently after recovering from my ill health I do not know who wrote the check and who cashed it.The line says Usda XXXX. This is the same line that is seen when the bank charges a fee Pentagon says cjheck was transmitted to them electronically and they cashed it they do not have a copy of it. Initially Pentagon said that it is not Pentagon 's policy to verify electronic transaction unless the consumer alerts them anything that comes through they just cash it. I question that if anyone having access to my account information can write checks electronically and they get cashed. Pentagon now allege they had two years to inquire and the time has passed so they can not inquire any further from the other institution. They allege it could be department of agriculture so I write to department of agriculture and inquire from them as they are not responsible for the check that was cashed since it came electronically. I have nothing to do with department of agriculture they provide no documentation of their inquiry either There is a check number to this transaction and so they should have had a copy i did not authorize an electronic transaction. I need them to give me my money as this was not an authorized transaction or Pentagon provide proof that the check was written by me. Two weeks ago I had spoken to the following XXXX XXXX XXXX ext XXXX, I spoke on XX/XX/XXXX XXXX XXXX ext XXXX and her assistant XXXX ext XXXX as XXXX has not answered my messages. XXXX and XXXX have tried to block information and were non cooperative. XXXX was cooperative first now she has disappeared and does not return my calls XXXX XXXX XXXX XXXXXXXXXXXX

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 2021-01-15
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hello I am writing prayin that you can do something about the ill manor in wich transunion and XXXX are handeling an identity theft/fraud submission to them.The very same files that they are sayin were returned as accurate were deleted off of XXXX..What good does it do to file a police report and follow the outlined procedure where what is happening here was happening with the online disputes.I asked both bureaus to block the files while the investigation was on going as it wojuld not stay killing my score advising them of section 605b of the fcra and that is was my right instead of being helped i was greeted with attitude and no action.I haved tried to explain to them both that included in the police report were the names of gthe 2 perpertrators or at least thats who im sure of, and it is my mother and sister, and that of course if you ask these companies if the account is accurate they are going to say yes 1.they want to be paid 2.they do have XXXX XXXX information but the entire reason for the police report was a sworn statement punishable by jail where i stated it was not me they got the information from .They recieved it from people living in my house and its rather embarracing to have to keep going over the fact that my mother and sister have stolen from me like this i feel i am being made a joke all the while doing absoluly nothing i am including the accounts in question in pictures so that you may see the damage they are idley letting happen to my credit score daily I HAVE BEEN GOING ROUND AND ROUND FOR MONTHS I DID WHAT WAS ASKED OF ME SWORE A STATEMENT SAID I WOULD AIDE IN THE PROSECUTION OF THE PERPETRATORS, THEY TREAT ME TERRIBLE AND I FEEL LIKE IM BEING LAUGHED AT BY THEM FOR WHATS IS HAPPENED WHAT MORE DO THESE PEOPLE WANT FROM ME IF IT WAS THEM IN MY SHOES THEY WOULD UNDERSTAND THAT BEING WHO IT WAS WHO DID IT AND WHERE THERE WERE LIVING THE COMPANY JUST SAYING YES THE ACCOUNT IS GOOD DOES NOT HOLD WATER BECAUSE IM SURE THEY HAVE MY INFO THEY THOUGHT THERE WERE ISSUING CREDIT TO ME BUT KINDLY THEY WERE NOT I AM NOT THE FRAUDSTER PLEASE ENFORCE THIS AND HAVE THESE FILE DELETED PLEASE **********PLEASE LOOK AT THE PICTURES AND LOOK AT THE THAT IS BEING DONE THEY SHOULD HAVE TO CORRECT MY SCORE THIS HAS GONE ON 2 LONG WITH ME EXCLAIMING THAT I AM NOT THE FRAUDSTER, MY NEXT RECOUSE WOULD BE THAT I WILL HAVE TO SUE THEM FOR THE DAMAGE THEY HAVE AND ARE CURRENTLY DOINGITS MALICIOUS AT BEST AND BORDERLINE CRIMINAL

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