BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
They just called my husband out of the blue. Saying he owed the debt collection agency XXXX. For a supposed debt made in XXXX, Arkansas in XX/XX/XXXX-XX/XX/XXXX. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them XXXX. We want our money back if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My EDD card was frozen because the previous identification was not verified in 2019. I made a phone call to BOA to unlock my card and the representative said that they need the EDD department to submit a form or notice, which indicates there is no identity fraud. The EDD worker just verified my information and an EBP ID Issue Log was sent with reference # XXXX to BOA. But it has been last several months since the unlocked requirement was sent to the bank. I had made phone calls to BOA so many times and there was no response. My money was locked until now and I need it to pay my bill. 
I think it's illegal for BOA to lock my card and restrict transactions after the EDD department lifted it. My card number is 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 2021-03-17
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: Old information reappears or never goes away

Complaint:
TransUnion and the other Credit Reporting Agencies continue to allow old expired disputed and deleted information to reappear with the most bare information available. 

TransUnion is reporting XXXX XXXX  Account number XXXX as an Open Account Opened XX/XX/XXXX with a balance of {$270.00}. 

TransUnion either knows or should know that XXXX XXXX Account number XXXX Date of first Delinquency was XXXX of XXXX. 

TransUnion 's gross neglect is costing me 28 points on my FICO score and ensuring that the expired debt will continue to appear on my credit report well after it is allowed to. 

The last round of disputes TransUnion address was less than 6 months ago ... How do I build generational wealth if TransUnion is allowed to Vandalize my credit report with impunity? 

I'm a single mother of a XXXX year old, I just want to buy a house to leave more then what was left for me ... seriously at what point does this get old?

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 2021-05-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express reported different amounts and dates to XXXX XXXX and XXXX  the written off amounts and and date this item will stay on my credit record. My rights have been violated and according to the fair reporting act inaccurately reported information needs to be Deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The car was totaled 2 years ago and my insurance paid for the car. They then tried to sell the debt to a collection company. I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again, without telling me anything. Now they are harassing me with collections threatening to hold this against me. The account shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent and the account needs to be closed.

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 2015-07-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I was denied a credit card from American Express XXXX dated XXXX XXXX, 2015 ( after receiving numerous mail solicitations ) and when I tried to get a free copy of my credit report from XXXX on XXXX XXXX, 2015 XXXX refused to honor my request. XXXX 's web site requested information which I provided and each time it responded that that the session had timed out. Regardless of how fast the information was put in the response was always " the session had timed out '' .This is an obvious ploy to frustrate older consumers and to make them think they are unable to complete the process.I use my computer 's auto-fill capability so even a few seconds seem to be enough for the " session to time out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a Capital One CC by way of Walmart. Walmart transferred all of their CC accounts to Capitol One. I requested a lower interest rate on XX/XX/2021 with their Customer Service Department. I also requested to pay off my Capital One account using a CC that had a lower interest rate.I was trying to transfer my remaining balance to a Iower interest rate card.I was told that I could not get a lower interest rate or pay with a different Credit Card. I asked the representative why she stated " Our System it's set up for that ''. I repeated back to the Representative " you won't lower my interest rate, I can't pay with another card I asked is that what you're saying. The Representative said " yes ''. I'm trying to clear off my balance with Capitol One because I can't keep up with the interest. My credit score is XXXX, I pay my bills. What can I do as a consumer regarding this company 's practice? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
AMERICAN EXPRESS SERVE DID NOT PAY MY VENTOR AND IS HOLDING MY MONEY. I HAVE CALLED THE CORPORATE OFFICE AND STILL NOT GETTTING ASSISTANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Issue: Rewards

Complaint:
In XX/XX/2016, I applied for and received an American Express Business Credit card for My business, XXXX, EIN # XXXX. The offer came with a 50,000 Membership Reward point bonus if I spend {$5000.00} in 90 days, which I did. Today, XX/XX/2016 I called American Express to find out what had happen to my points. I was told that I was n't eligible for the bonus, since I had the same type of credit card for my other business, XXXX EIN # XXXX. The offer says " Welcome bonus offer not available to applicants who have or have had this product. '' This is a business card, and I have XXXX business 's of which, XXXX is the applicant, since I use each card for a different business, and each card is registered in the appropriate name with American Express. 

I am due the 50,000 Membership Reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A balance of {$2100.00} was reported on my credit report because someone was going to the hospital under my name, which is fraud and I currently have XXXX insurance. it says it was open XX/XX/2020 for about 2 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX. 
This is about my personal information being compromised. Total of {$310.00} in Unauthorized charges and also XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX Account XXXX were opened under fraudulent means under my name

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion I have call a couple of times to dispute these Fraudulent Inquiries they would not work with me and also I send in letters never got a response back The date of the letter XX/XX/XXXX I send out to TransUnion I would like to get the Inquiries Remove off my credit Report Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2021-03-17
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputes this debt numerous times with the three credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have two addresses listed and I've sent numerous notarized letters to both address to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that put mess up my credit with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I tried I even put up buying a house for my kids to get this taking care of but no action is taking place on this company part to remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was told that I needed to take out a private loan while attending XXXX college in XX/XX/XXXX-XXXX. The financial aid department was n't clear about the interest rate and the whole time I attended heald I was told false information, such as job placement. They did not care about the students, if I was late on a XXXX payment they would not give me access to login onto the computer until I payed, which would affect my academics if I did n't pay on time. They would even pull me out off class to let me know I need to make a payment, This was humiliating for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Telerecovery Corporation
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TELERECOVERY Original creditor : XXXX  WALK-IN CARE {$360.00} Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Account type Collection Department / Agency / Attorney Already contacted them and asked to to validate the account twice and still nothing

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 2016-05-05
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call from XXXX " Caine & Weiner '' Sunday XXXX XXXX, XXXX demanding money in relation to XXXX accident I was involved in back in XXXX XXXX. I was fully insured at time of accident. This is the first notice that I received re debt. I immediately contacted XXXX XXXX ( my carrier at time of XXXX accident ). XXXX has made multiple attempts to contact collection co with no success. I mailed a debt validation demand letter to Caine & Weiner, I have not received a response. The alleged collection has now been reported to the major credit reporting agency and tarnished my good credit. Never have I received any information regarding this debt nor has my insurance carrier. My credit is tarnished, collection activities persist and Caine & Weiner will not provide information to me or XXXX insurance for a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: CA
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 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my 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 2016-07-28
Company: IQOR US INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get called at least twice a day, every day, Monday through Friday. When I ask what this is in reference to They keep saying " is this XXXX '' and do not answer my question.

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 2021-03-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt was placed for collection, repackaged and sold to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX The original debt is over 9 years old, and the new Debt collection company submitted in error that it was placed for collection on XXXX. They sold it to another debt collection company and I have a current XXXX account in good standing, but the new collection agency reported the date wrong so they can attempt to collect this old debt longer. I would like this removed from my credit report as they continue to harass me daily. Thank you Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$760.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$760.00} Original Creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I thought this was included in my Ch XXXX Bankruptcy. Now, I have had XXXX different agencies calling and harassing me for payment between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My initial complaint was filed in XX/XX/2021 regarding misleading, unprofessional and abusive language with the SOS group. My case was marked closed and I received a call from a supervisor stating that I was lying but if I modified the complaint they would remove the report from my credit. I agreed, only to save my once perfect credit. I asked if updating the complaint so show I was satisfied and they handled it properly would be enough. They said yes. I did so immediately upon hanging up. 

Two months later in XX/XX/2021 I filed a new complaint because they had yet to follow through with their end of the deal. 

Today, Monday XX/XX/XXXX I get notice the complaint was closed yet again with no resolution. The SOS group stated again that I was untruthful about my original complaint and that they got no noticed I rescinded the original complaint so at this point they will not be removing it. I have proof my original complaint was amended-exactly how I asked if it could be-and they are again not following through their end of the deal. 

They are aware my finances and health were ruined due to this medical event-the reason I am in collections- and therefor can not afford a lawyer to fight them and I fully believe they are taking advantage of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has tried to re-open a private student loan account that has been " charged off '' AND " closed '' on my credit report. I have not made a payment in 7 years exactly this month. They re notified the credit bureau trying to say this is an open account and it is not. It has passed its 7 year date of non payment. I believe they are just trying to still receive payment after transferring from XXXX XXXX. They were rude on the phone stating my account '' never closed, it is open and you are currently accuring interes. '' They wont work out a repayment plan I can afford stating i had to " Give {$1000.00} down then XXXX {$100.00} payments and only then will they tell the credit bureau I am in good standing. '' Or I could '' pay {$290.00} for the next 8 months '' before they put me in good standing. The would not accept less. Dont they have to work with me? However, this account is closed and charged off. Is it not illegal to put its status back into repayment and start charging me interes again after its been closed. Its been 7 years ... I found all of this out because I tried applying for a mortgage loan and they company told me what Navient reported to them. Can you please help. I have heard and read nothing good about Navient. This account originally went to collections because I got a divorce and lost my job and just had a baby I had to support. All my other federal student loans I have made good one. Please help me correct this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Williams, Rush & Associates, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank checking was account was attempted to be scam in the amount of {$3200.00} but XXXX caught this and is now investigating this. Now in regards to this they have had {$3200.00} on hold from me gaining access to my money for 67 days which has caused me a financial hardship of not meeting my bills responsibilities on time and as a result of them doing so I had to join a debt relief program, have my credit go into negative reporting and lower credit score in which I feel they are responsible for this in not resolving their investigations in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation