BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Acct # XXXX, a subsidiary of XXXX XXXX. XXXX, and address of XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. Assigned this account over to Transworld System inc on XX/XX/22 for collections. The amount assigned over to Transworld Systmen inc is XXXX. The address of service is XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The date of service is from XX/XX/22 to XX/XX/22. I have never lived in the state of XXXX I've been living in XXXX XXXX going on over 30 years. XXXX XXXX XXXX from XXXX, a part of XXXX. A Restoration XXXX is assisting me. In gettting this matter resolved. XXXX XXXX XXXX be reached at XXXX EXT XXXX. On XX/XX/22 XXXX XXXX XXXX placed a conference call to Transworld System inc. The collector who we spoke with. Turned the account over to there fraud dept for further investigation. On XX/XX/22 XXXX XXXX XXXX placed a conference call to XXXX XXXX. The rep at XXXX XXXX advised me on the steps to file my dispute. I went down to the XXXX Police Department. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bus phone XXXX. Officer XXXX XXXX # XXXX filed a fraud Claim # XXXX. Officer XXXX XXXX # XXXX advised me. I can expect a written copy of my fraud claim. Within the next 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: I.C. System, 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 C System is unable to provide proof of debt. Or validity of orginal account.

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 2015-05-13
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Application accepted on XXXX/XXXX/15 for {$350.00} at $ XXXX pay period. Because I 've had payday loans before, with NO problems, I did n't think anything of this one. I called today ( XXXX/XXXX/15 ) to find out when my last pay date was because I figured it should be coming up pretty soon, and she said XXXX/XXXX/15, which was odd since it was opened in XXXX, I did n't think it should take 10 months to pay off {$350.00}. I went online to look at the pay schedule and calculated how much I will have spent by XXXX/XXXX/15. On a {$350.00} loan, I will have given this company {$1600.00}. She said they tack on the finance charge on every payment if amount is n't paid off in full. I 'm in Florida and I checked the XXXX 's website and this company is n't listed as being licensed. Another thing is, they said it 's a tribal company so it does n't have to adhere to state laws. I 'm trying to get rid of my loans and had no idea this XXXX would be lingering on for such an ungodly amount. I 'm tempted to close my bank account. I thought about paying more each pay period to pay down the loan but the more I think about it, and the more complaints I see about this company online, the more I 'm against doing that. My past payday loans were the same amount every payday with the last amount being the balance of whatever is left.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Shellpoint Partners, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
my bankruptcy for chapter XXXX was approved on 2011 and all debts were discharged but shell point mortgage A/c No. XXXX keep calling my private cellphone and attempt to collect debt even if I advice them the debt is discharged and I don't need to be contacted on the phone almost several times a day nonstop

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-10-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my husband XXXX/XXXX/XXXX, then XXXX XXXX I lost my job. I was making my payments to Wells Fargo then I could n't afford it. I have asked for help and even have an attorney. i was denied, fliled an appeal in XX/XX/XXXX and found out today XXXX/XXXX/XXXX the appeal was denied. 
Also, they have me at XXXX % ratio. I need my payments lowered, or forgiveness of part of my principal. I need help ... .. 
I want to keep my home, I just need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I 've received repeated calls from a company that my caller ID says is " XXXX XXXX. '' I answered and was told it was " Convergent Outsourcing. '' The person on the line said they were calling about my business with XXXX and asked me to confirm my address or the last XXXX digits of my social security number. I refused, saying I would not until they told me why they were calling. She refused, said they sent a letter ( I never received one ), and said she would send another one. I said ok and hung up. 

They never disclosed whether or not they were seeking a debt ( though Convergent Outsourcing is a collector ). Furthermore, I owe no debt to XXXX. I concluded my business with them some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
From XX/XX/XXXX-XX/XX/XXXX I managed a shared house community. Upon my move out/vacating in XX/XX/XXXX the landlord and the folks who took over did not handle the accounting correctly. I had an account with XXXX XXXX XXXX in my name while residing there. It was not taken out of my name for years. I have received a bill from a collection company for XXXX. This bill should be presented to the owner of the property XXXX XXXX ( of XXXX, XXXX, WA ). It is incorrect to bill me for an account that should have been in her name or a tenant name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
PLEASE HELP : This is NOT related to current allegations/litigation ( accounts being opened ) against Well Fargo, but SOMETHING NEW, that I believe you are not aware, according to Wells Fargo Executive Office themselves. 

I just got off the phone with their EXECUTIVE OFFICE, specific to a complaint I filled with them via email and once again, they admitted that they violated their own BILL PAY policy and unjustly profited by charging me overdraft fees. 

I also received confirmation with them that this phenomenon is UNRELATED to the current lawsuits/claims and has never been litigated. 

The problem is SYSTEMIC and over the past 3 + years, they have profited XXXX of dollars off of me in contrived illegal overdraft fees. 

What makes it doubly unfair is, when you complain, they might refund some fees with admission of guilt and apology but, they only GO BACK 3 or 6 Months ( 6 if you press them ), because that 's only as far as their " system will allow ''. This means THEY KEEP ALL THE MONEY THEY STOLE - knowing it is illegal and against their own policies - if it was beyond 3 or 6 months. 

I for one, have been victimized by this, what I believe to be a deliberate scam, or at minimum, a deliberate indifference toward what they know exists and no doubt, there are XXXX of XXXX, if not XXXX, that have as well. 

THE BANKING SCAM/ISSUE : Wells Fargo has a BILL PAY FEATURE that they make available to all customers. They will send out a check on your behalf to your designated BILL PAY RECIPIENT from any XXXX of your linked accounts if funds are available. Check sent is equivalent to a Cashier 's Check. HOWEVER, when you do not have enough available funds, they routinely and historically will send out the check anyway - even if the account is overdrawn - so as to charge you a non agreed upon {$35.00} overdraft fee. 

THEY ADMIT THAT IT IS AGAINST THEIR OWN POLICY AND ILLEGAL. 

This practice dates back many years and is systemic. I have personally suffered loss of XXXX of dollars from multiple accounts combined. 

Please help. 

XXXX, Ca 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 monetary relief
Consumer complaint received 2017-01-27
Company: Credit Protection Association, L.P.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the company which is trying to collect a debt on already deleted file from my credit score, they are debt buyers and purchased a false debt which has been resolved in the past and since they saw my credit scores go up as i have worked so hard to get it they posted an already settled, deleted file as portraying to be different lender or different loan on the same issue from 7 years ago. so far they have only posted on XXXX and i have disputed that yesterday but now my scores went down significantly and it is hurting me due to their illegal report and deceptive practice. 
the claim is already false as i was an employee of the represented company and lived in the company provided accommodation and some equipment was in counted for which was retrieved by them from another employee and i was cleared of the issue. however that company went into different owner ship and the subject was triggered gain with this false claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NorthWest Financial Services or XXXX XXXX now has my debt from XXXX XXXX XXXX. I am unaware if those debts have been charged to my insurance. Along with that I was making payments to XXXX at the time they turned me into NorthWest ... I have asked for a payoff amount ( discounted ) Northwest is unwilling to work with me and has threatened to charge me very large amounts of interest until I pay it off. I am willing to pay but not being threatened to be charged tons of interest when I barely have the money to pay it off in the first place. Thank you XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently tried to open a Business bank account and was unable because they said that my XXXX was on chex systems. I recently called XXXX, and XXXX and was unable to find any accounts. Those are the only companies I recall doing business with. I attempted to request my business consumer report but was unable. I was sent my personal report instead which showed no history.

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 2022-02-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Best Buy closed my credit card account. I never missed a payment and my bill was paid in full. 
XX/XX/XXXX XXXX XXXX closed my account after reducing my credit limit a few months prior. I never missed a payment and my account balanced was paid in full.

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 2022-02-21
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am asking for them to validate this debt. I have never done business with these people or communicates with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions 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 XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A.- States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 - it also states a consumer reporting agency can not furnish a account without my written Instructions

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A.- States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 - it also states a consumer reporting agency can not furnish a account without my written Instructions

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 2016-08-18
Company: National Credit Systems,Inc.
State: CA
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:
Hello, I moved into a student apartment 9 months after the lease and I failed to get an inspection. Seven weeks, we were all kicked out. We were told if we left immediately that it would n't be on our credit record no would we incur any expenses. Just to note they kicked us out after the check for rent was cashed. 
There was a large repair bill and it was split three ways by management. XXXX roommate ( XXXX ) paid her share. We negotiated a reduced fee, and paid my share. The XXXX, never paid her share and they are going after us/me for the remaining balance. 
I have call and spoke to me, harassed me, disagreed with me, I have given them the contact info on the third person and when they ca n't reach her ( she ignore them ) they come back and harass me. The call at my home, my work, I recently sent them a certified letter with proof of payment and they sent back a letter saying they need proof.-Already sent. I have looked up the info on XXXX and they constantly get complaints. After a while they have a different person from their organization take over my " case '' and the harassment starts over. When we paid the debt they refused to give us written confirmation. We did however pay for it with my father 's credit card. The name of the company is NATIONAL CREDIT SYSTEMS of Georgia, the Harasser is XXXX XXXX XXXX, I also sent to the President and the Collection manager XXXX XXXX by registered mail on XXXX/XXXX/XXXX. 
The bill was paid on -in full- for my portion on XXXX/XXXX/XXXX -- whereby we gave XXXX XXXX my dad 's credit card number and paid {$750.00}. 
As I said we recently received another piece of mail from XXXX XXXX XXXX and they said there is n't sufficient evidence to validate my claim. I would think a credit card statement to the to National Credit Systems would be proof enough. In addition, we started keeping records of the calls and documenting them and outlined that in the certified letter. 
How do we stop this? it has been paid, they are continuing to harass me and I feel a XXXX on this matter. It was n't my mess, I should n't have paid anything, They should have cashed my rent check and then kicked me out the next day. But they did and now I am being harassed so much I am sick over this. 
I did all the right things. Make this stop- they are criminal in the tactics and their efforts to get money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: IQOR US INC
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We opened a short term credit account after our home received water damage. The loan was paid through XXXX, but the bank kept it open running up a {$2400.00} bill of interest. Then sent it to a collector after discussing the problem with the collector, it was determined we owed nothing and the problem was closed. 18 months XXXX submitted the same bill to another Collector to again try to collect the money again.

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 2016-03-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i requested full information on the reporting and validation of the tax lien/judgment. I see a claim amount but I do not see the liability amount. The judgment identification is also incomplete. I have disputed this several times with Experian. They have not been in compliance for over 45 days in regards to FCRA guidelines. I filed a complaint with XXXX regarding this before.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have documentation to prove XXXX XXXXXXXX XXXX used my credit report fraudulently. They input my address as an old one. When I use to live in Arizona. I did not authorize or applied for credit with this company. So a hard inquiry is on my credit report. Disputed with Transunion with no results or removal. Also contacted XXXX XXXXXXXX XXXX, and they claimed they didn't have any knowledge and would not fix it. I am requesting removal of this company from my credit report for fraudulent activities. Thank You very much for your help with this matter. XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022 Bank ( XXXX ) XXXX See an error? Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( 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 explanation
Consumer complaint received 2020-01-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have attempted 3 times to close my savings account with CitiBank and they will not close it. Their reps and supervisors keep assuring me they are closing it but it never gets done and they keep saying theres no confirmation to provide me that its closed. The 2nd rep even deactivated my account online to make it seem like it was closed and it never was. I am now being charged a monthly service fee. I do not know what to do anymore because they are going against my wishes of closing my savings account. Their reps are incompetent and liars. DO NOT ever bank with Citi. This is the worst company. 

Call log to Citi : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/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 monetary relief
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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