BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-28
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a phone call from Transworld Systems Inc. regarding the balance owed on my XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I spoke with them, I advised them that I am able to pay the balance of what I owe, {$3500.00}. They, instead, advise me that I now owe {$5200.00} on this balance. 

I conducted my own research on this company as I was having issues with fraudulant activity occurring on my account. Upon doing this, I found that many individuals have incurred unfortunate situations with this company as I have already ; to include paying their balance with funds continuing to be taken out of their incoming funds. I have personally encountered obscene, profane and abusive language, threats of garnishing wages, freezing any bank accounts and that they would take any check I have until they get the full {$5200.00} amount owed. They additionally threatened to freeze my SSN and advised me that they will make sure that I will not be able to make any purchases or obtain any new jobs until they get their full amount of {$5200.00} owed. Their lack of professionalism or willingness to work with me in any way was not provided to me as an option. Additionally, they continue to not provide me with a valid explanation as to why there was {$1700.00} additional dollars added onto the amount I owe. Upon the instances where I tried to contact this company, I have been hung up on XXXX times, deferred to other individuals who claimed they were unable to help me, and when I was able to finally reach someone, obscence language was used along with given multiple threats with no help being offered. Again, I am able to pay my balance of what I owe, {$3500.00}, but they are not giving me this option and are not advising me of why these additional charges have occurred. I 'm unsure of how to proceed, but would like this matter taken care of. I would like to pay my balance, but will not provide money to a company that has a history of " losing '' balances paid and will not provide me with an explanation of why the account increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I paid the original creditor the full amount of the debt. Somehow it was sold to another company, asset acceptance and they tried to sue. I hired a lawyer and won. The attempt was made well after the statute of limitations on unsecured debt. not to mention the debt amount was false. Now they are renewing my debt on my credit report to keep it within a statute of limitation. They will not negotiate. they will not tell me what debt they bought and for how much and give me the opportunity to pay said debt that is false. This debt is claimed to be from XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
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 was paid

Complaint:
On XXXX XXXX, 2015 XXXX XXXX XXXX contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to Midland Credit on XXXX/XXXX/2015 Now XXXX XXXX has no record of the transaction that was taken from my bank account. And my balance with Midland Credit does not reflect on my account. However my checking account shows that the XXXX dollars was taken by XXXX XXXX before the account was sold to Midland credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Comerica
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Ever since COVID-19 started, Direct Express has not provided my brother access to his monthly Social Security Checks. The card is under my name as I am his guardian.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was checking my credit score and I discovered that I have to credit under the name of " RS Clark & Associates '' ( see picture attache ). 
I never have been aware or notified about that. 
So I contacted them through their website and they answered with a website called " XXXX '' and they asked me to call them. Like that they can ask me questions but unfortunately I have hearing issue on the phone so I asked them to ask me their questions in the email and I will be glad to answer. 

No more answer since, but in " XXXX '' I found one Email address, so I tried again to contact, but still nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American express tricked me to keeping my account open. 

I called American express on XX/XX/2016 regarding my American express XXXX business account. I inquired if there is any retention offer that can help me decide if I should keep my account. An agent told me that she is able to add a retention offer, 'spending XXXX on the account and get XXXX XXXX points in 3 months. ' Then I asked if she can send me a confirmation email, but she told me that she ca n't. However, she left her name XXXX with agent id XXXX. Then I finished the spending requirement on XXXX XXXX, but I have n't received my spending bonus on XX/XX/2016. Hence I called American express on XX/XX/2016 and inquired if my spending is eligible for spending bonus and how long it will take to get my bonus points. The agent responded with 'sorry there is no retention offer on your account, and you are not eligible for any bonus points. ' Then I asked if she can locate the agent XXXX with agent id XXXX, but she answered 'no XXXX is not here. ' Then I ended the call but found I was tricked by American express because American express agents tried to keep my accounts with fake offer and names/ids. Now I can not get my annual fee refund because it has been passed 30 days since annual fee posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
A hold of {$110.00} was put on my american express server One VIP card Saturday XX/XX/2016 while checking into the XXXX XXXX in XXXX. I called the the hotel today Monday XX/XX/2016 to ask why the hold was still on my card when I checked out Sunday morning XX/XX/2016. XXXX advised they released the hold upon my checkout that it was my card merchant American Express Serve that still had the hold on my card. I contacted American Express Serve and they advised the could n't release the {$110.00} until XX/XX/2017, because the do n't have the authority to in their system. Even though I had the XXXX XXXX on the line and told them I had no other pending hotel charges. It 's a blatant attempt to keep my money on their books for at least 30 additional days, and I consider this flat out FRAUD ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found out that Midland Funding LLC add a collection account in my XXXX credit report. This account does n't appear in the other XXXX Credit The actual amount that appears as a collection is {$8000.00} dollars. In the report appears that the account was open in XX/XX/XXXX and on XX/XX/XXXX for {$5500.00} dollars. It shows " XXXX '' past due, Status : Collection. Also, appears on my credit report : Factoring Company, Original Creditor : XXXX. I called Midland funding and they told me that this account has a judgment against me issued in XX/XX/XXXX. They did n't want to provide me with the original account number or creditor, they told me to go to the court if I need any information. XXXX the person at Midland told me this account was originally delinquent in XX/XX/XXXX and then when I asked her who was the original creditor she said I can not give you any more information because you already have a judgment in this account. I never opened any account with XXXX. If the account was delinquent in XX/XX/XXXX how can i have a judgment against me in XX/XX/XXXX!!! I do n't know what to do. I was never served or had any information about this to dispute it and defend myself. I never got the judgment either. I do n't understand how a judge could judge a debt against me without documents that proved the debt or the identity of the person. 
I am complaining about not receiving a notice of right to dispute the false debt and for no receiving information about the account number, amount of the debt, or name of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Tesani Management Inc
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this company to attempt to settle 2 different debts. I attempted settlements and one was not accepted and one was. I made one payment to XXXX XXXX to distribute to the two companies. Later both accounts were still reporting on one of my credit reports. I disputed the reports with the credit companies and they kept coming back unchanged on one of the reports yet was completely removed by the other company. I called back XXXX XXXX to ask what happened. After a conversation that revealed the misdirected payments, I requested they pull my call and review. They never called me back with an explanation of what happened. I then emailed the company to request the same thing. No response. I am trying to do the right things as best I can to take care of it, but then this happens. They are preventing the progress I am making by careless errors.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Santander Consumer USA Holdings Inc.
State: NC
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 have contacted XXXX XXXXXXXX XXXX since XXXX asking for proof of validity of a debt. They have not provided any proof that debt belongs to me and will not respond to any letters that I have sent. I have contact all three credit bureaus and the creditors themselves. 

The account also looks like it has been re-aged because I did not open anything with XXXX XXXX in the month of XX/XX/2021. 

The amount reporting on my credit report is {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I started to receive letters from lawyers telling me I was being sued and offering to defend me. Upon research I discovered that this was true, but in the wrong XXXX. I retained a firm that sent a legal request for debt validation as per Federal law in XXXX ( attached ). This was never responded to. 
I have seen that the lawsuit has been stopped but I fear they will try and bully me again. 
The law says a debt must be fully validated, as per the letter that was sent to Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
In each of the last XXXX statement cycles payment in full was mailed ( usps ) on XX/XX/XXXX anddue on XX/XX/XXXX. Yet the payments were, in each case held until XX/XX/XXXX thus incurring {$27.00} late fee. This is American Express and is common thievery. I know I have fewoptions. Please use caution dealing with AMX, ethics are not featured.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
The company promised free reloads upon initiating my account, but has suddenly started to charge {$3.00} for each reload at any participating location. I received no notice of change in fee schedule and did not agree to nor was aware of unauthorized changes to fees alleged by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/XXXX of last year, I initiated a balance transfer of {$350.00} from my overdraft account with HSBC to a new XXXX credit card that I had opened. I received a notification from XXXX that it had been executed successfully and they added {$350.00} to my balance with them, but I never saw these funds appear in my HSBC account. I called HSBC to research it and they said they had no record of having received the funds. I called XXXX and asked them to look into it and a couple of months later I received a letter telling me that by their records, the money had been transferred to HSBC and so they were unable to credit me for that {$350.00} and that I should go back to HSBC. I 've been remiss in doing so, mainly because I tried once and I have no idea how to proceed, so I am now in a place where I have to still pay HSBC the balance of my overdraft, while also paying XXXX the {$350.00} I asked them to transfer. So I 've doubled that debt through no fault of my own. Please help me look into this and see how this can be resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have a closed account with American Express. I have been making my monthly payments. XXXX is now harassing me at work. I contacted American Express and although I am making payments directly to them they said there was nothing they could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC ( formally Household Finance ) has been a thorn since I purchased my home. It was predatory XXXX loan that eventually had an interest rate that exceeded 13 %. I eventually got a modification and have been paying my note on time since XXXX that included a 36 month payoff of taxes and insurance they said I owed. I paid the extra from XXXX through XXXX ( XXXX XXXX payment to the ancillary was for {$590.00} and even higher amounts as noted on XXXX page of the " house note log '' included ) even after I received a letter XXXX XXXX stating it would be placed on the back of the loan per government regulation. I wanted to be done with it so I paid it off. In XXXX I received my new mortgage amount based on my lower escrow cost and by XXXX I received another letter stating that I would pay {$100.00} for lender advanced taxes that I had already paid off during the XXXX 36 months of the modification. I have kept all my payments and letters from them but it will take time to put the years together. When I called to inquire about this they told me that I still owed over {$3000.00} and had only paid ~ {$300.00} which is not true. This company appears to be attempting to swindle me out of funds I really do not have. I have sent them a letter requesting my loan activity since XXXX which will of course not be sent to me before my house note is due on XXXX XXXX, XXXX. This is causing me a hardship since I live on a fixed income. They have also added several fees to my loan over the years. They show all sorts of late fees and other fees I know nothing about that appears to be padding the loan and they do not show my statement on line. Any assistance you can give me will be appreciated. Thank you * I did send a request to HSBC but the date ways XXXX rather than XXXX as the start of the modification payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I settled a debt through a law firm for a XXXX XXXX/Metris credit card account. 
In XX/XX/XXXX, I was contacted by another law firm and told that I owed for that same account. I contacted the original law firm and they re-sent me the settlement letter and confirmed that they had my account as satisfied and that they had let Metris know back in XX/XX/XXXX. 
I faxed the settlement letter to the law firm who contacted me as well as bank statements showing the payments cleared. They apologized and assured me they would correct the issue with Metris. 
I have since heard from at least XXXX other law firms on this, almost on a yearly basis. Most recently last week. I submitted yesterday, the settlement letter to the latest law firm. 
Metris has been bought by other companies since I settled the debt and I can not find an up-to-date contact number so that I can address this directly. The law firms will never give me the contact info they have, they only assure me it will be taken care of. However, this is only 'taken care of ' until Metris ( or whoever owns these old Metris accounts ) sends my info to a new law firm. They never update my account correctly to show that it is satified. I do not think it is fair or reasonable that I hear almost annually from a lawyer on a debt that I have satisfied and paid taxes on. I am attaching the settlement letter which has the original law firm information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a debt collector letter states I own them money from XXXX mastercard. However, I never apply and use this credit card before. I called debt collector, XXXX XXXX and XXXX XXXX and they do n't have any detail since they bought this debt. I called XXXX mastercard and they said they do n't have any detail either since they sold the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: IL
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:
This letter is formal notice that Equifax have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

1. This account is incorrect status, balance is wrong. 
XXXX XXXX Please remove it from my credit report. I was never late on this account. Amount of limit is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a cease and desist order in place on my mortgage loan for shady collections practices involving Ditech. Last week they violated this practice by showing up to my house and placing a collection, contact us door hanger on my front door. I contacted Ditech again today and they stated they ca n't enforce a cease and desist order. Their collections antics are not consistent between borrowers resulting in disparage treatment. I consider this an additional demand to cease and desist all collection efforts in regards to this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am beside myself. I have been unemployed for one year, I have worked my entire life, and not once utilized public assistance. In my time of need, I have been met by denials by non profits, HUD Counselors, Caliber Mortgage, and XXXX AZ lawyers. By XXXX/XXXX/2015 I will be on the street with my daughter. She has been traumatized by the mounting stressors of having utilities shut off, minimal food, and increasing detriment to her self esteem. I am a XXXX who is chastised daily XXXX who is reveling at my failure. I have no faith in humanity due to having no assistance, advocate, or thought of my child. I can no longer call people to help as I do not think I can take in any more rejection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I continue to receive threatening letters from Transworld Systems in spite of the facts that:1. The debt was paid by check which was cashed on XXXX XXXX, 2015 ; 2. I telephoned Transworld Systems on XXXX XXXX, 2015 at XXXX PST and informed XXXX XXXX that the debt had been paid. She assured me the threatening letters would stop but I received yet another on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation