BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-17
Company: CDI Affiliated Services, Inc.
State: ID
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:
The original debt of {$520.00} has been paid to the original creditor, XXXX, about a 1 1/2 years ago. CDI Affiliated Services insist I owe them a sum of {$260.00} of pure interest. There is no more principal because XXXX accepted my payment in full in order for me to receive services from them again. As far as I can tell CDI A.S. is in a violation of The Fair Debt Collections Act 808 15 USC 1692f Section ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
I can assure you no such agreement was ever established or authorized while creating the debt. CDI is not attempting to collect a single penny as principal, but rather {$260.00} of pure interest. Are they, or are they not in violation of this Fair Debt Collection Practices Act? They still currently show as owing XXXX {$260.00} on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach Pro Collect on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Pro Collect nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Pro Collect provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

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 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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 regards to my XXXX closed accounts, Capital One did not conspicuously or clearly disclose that they would report my non public information. They also did not provide a form for me to opt out of selling my private consumer information to third parties. These actions violate 15 U.S.C. 1681b, 15 U.S.C. 6801, & 15 U.S.C. 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX XXXX, I signed up for a Gold Delta SkyMiles credit card due to the promotional offer of XXXX Delta miles when spending {$1000.00} within 3 months. At some point in XXXX ( approximately XXXX ), when activating the card, I called and spoke with an agent who verified with me that I was in fact eligible for this bonus. The bonus was the reason I activated and used the card. If I were told there would be no bonus, I would never have used the card. Around XXXX XXXX, upon completing the minimum spend, I spoke with an agent who said that I had completed the requirements for the XXXX miles and stated it may take up to 6 weeks to receive the miles. Around XXXX XXXX, I had still not received the miles, so I again called and spoke with an agent, who again reiterated that I had earned the miles and that processing them may take some time. On or around XXXX/XXXX/XXXX, I did a chat on American Express 's website with XXXX, a supervisor, who told me that I was not actually eligible for the promotion ( despite what XXXX employees had previously told me ) but that they would conduct an investigation ( case XXXX ). I did not hear anything so in XXXX I did another online chat with an American Express agent, who said the case was still pending. I have still not heard back from American Express and the XXXX miles have not been deposited into my Delta frequent flyer account. 

The only reason I signed up for this card was to receive the bonus, and I was told I would receive the bonus by American Express employees - three times, no less - including before ever using the card. It 's time for American Express to live up to its promises and give me the XXXX miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
On XXXX XXXX, 2021 my wife and I arrived in XXXX, XXXX on vacation. We toured the XXXX district through the XXXX, shopping and eating in restaurants. At some point on the XXXX or XXXX, two large charges were made on my Capital One credit card without my knowledge or consent. We were unaware of this at the time. After spending several more days in XXXX, on the XXXX we flew to XXXX, where we discovered the fraudulent charges when my card was flagged as I was trying to pay a hotel bill. We immediately called Capital One to report the fraud. The next day, unbeknownst to me, Capital One emailed me a letter denying my fraud claim, apparently based only on the assertion that the card chip had been used. Since then, in numerous calls and letters, I adamantly denied that we had made the charges, and pointed out that the card had been out of my possession for extended periods when for example waiters took the card to charge food and drinks. Despite my numerous denials, and complaints filed with the FBI and the Washington State Attorney General 's office ( under oath ), Capital One continues to harass me with ongoing emails and voicemails, trying to bully me into paying these manifestly fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the collection company Debt recovery solutions and told them it not me never been on that XXXX also dispute a couple of times and nothing. 
Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be the only address on my reports.

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 2017-03-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: ID
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I purchased a Money Gram money order from my bank on XX/XX/2017, and sent it to XXXX TX that same day. The XXXX it made it to XXXX, but has been in transit and delayed ever since. I have been tracking it multiple times a day. I have been in contact with XXXX different post offices in that area. The lady that was to receive the money order from me has went to the post offices every day for the last 4 days and has opened a claim on the missing mail. I have been in contact with Money Gram headquarters to see what my options are. They told me that it has to be missing for XXXX weeks before I can submit a claim for a refund. In the meantime if someone fraudulently cashes the money order, I am out the XXXX. The also told me that it would take them minimum 20 days from the time they receive the claim to process the refund, if they decide to give me a refund at all. They also told me that once the claim has been submitted, and someone fraudulently cashes the money order during this time, I am out the XXXX. How are these people in business with no FDIC insurance or any sort of insurance?? They also told me that they would not put any hold or stop payment on the money order so that it can be cashed at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested services on XX/XX/2020 for telephone and internet services for a new home that I purchased. I was told that the router for the internet and the services would begin on XX/XX/2020. I did not receive service nor any equipment, I contacted XXXX, a technician was sent to my new home on XX/XX/2020 and the technician could not get any connection for service, he told me he would put a ticket in to cancel the service, I called XXXX on XX/XX/2020 and was told that the ticket was in and the account was closed. I received a bill from XXXX via the XXXX app at the end of XXXX 2020, and immediately contacted XXXX and was informed to disregard that bill, the paper bill will be {$00.00}. I now receive notification from a collection company who is trying to collect {$31.00} for services that I have never received. I contacted XXXX and each time I am transferred to the collection company. Today I went on the XXXX Chat line with their representative and I have a part of her message below ''. 
" thank you for waiting, i was able to check the account, please disregard the bill you received, no balance on this account i will create a ticket for you to stop receive bill ofr this account '' I have been getting the run around since XX/XX/2020. Please help me resolve this dispute. Thanks

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 2020-04-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company, National Credit System has illegally reported and demand debt collection for an amount of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020, which is well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Social Finance, Inc.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Sofi has ignored my request to stop sending me emails concerning refinancing of my student loans despite following the instructions they provided now XXXX times. XXXX times I have received " confirmation '' Sofi has removed me from mailing lists, but the emails keep coming. This has been ongoing for more than one week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: CA
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:
I NEVER APPLIED FOR ANY LINES OF CREDIT WITH ANY OF THESE COMPANIES. I HAVE ADVISED THE CREDIT REPORTING AGENCIES OF THIS AND THEY STILL HAVE NOT REMOVED THESE INQUIRIES.. 
THIS IS AFFECTING MY CREDIT WORTHINESS AND HAS CAUSED MUCH STRESS TO CORRECT THIS! 
I HAVE REQUESTED PROOF OF THIS NUMEROUS TIMES TO NO AVAIL.

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 2020-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 I sent {$500.00} to my girlfriend through XXXX on Bank of American ( BOA ) app XX/XX/2020 My girlfriend told me she has not received the money yet, I was confused and gave BOA a call and was told that {$500.00} was transferred to anyone else who has exactly the same phone number as my girlfriend in the account and we actually do not know who he/she is, I made a dispute for claiming the money back. Besides, I called and messaged the money receiver with the 'same phone number ', no reply!!! 
XX/XX/2020 I called BOA again to check how the dispute is going and was told to wait XX/XX/2020 I received the paper letter from BOA indicated that they can do nothing, I called BOA again and again and was told I can not make a dispute anymore, BOA has closed the case, they can not help to get my money back

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 2016-07-25
Company: Russell Collection Agency, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I was insured by state of MI insurance from an injury ( personal ) but the collections company keeps mailing out notices on a debt I do n't owe and it was supposed to be paid by the insurance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
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 THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT XXXX ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR XXXX PRO THE PENALTY OF 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 2015-07-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XXXX and the last time I had made a payment was XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
I can not belief that America express denied there loyal customer an increase obase on there credit score, credit score go up and down we have XXXX America express account and never being late on any of our account. but I can see that they did not denied that membership XXXX per year .just week ago they drop our credit to a XXXX dollar just about of a score that drop but ask us to send in our finical information and once they evaluation. then they put back up to XXXX on all the account it so unfair to be denied credit increase just because we are XXXX XXXX XXXX they think that you y can pay you bill but ask them how many navigation in our credit history report. never missed any payment never being late on time with all my credit account balance sheet good and they once to deened my credit increase how about denied membership that they charger the public. it unfair to the XXXX XXXX people now I want a XXXX increase basis because I.am qualify to have it. and let be clear about it. if I do not it just take. but they no I will pay it because like before I always pay any statement that that came in my mail box came in my plus the XXXX membership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: Messerli & Kramer P.A.
State: ND
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. 
After I did all of that it is then when she disclosed what the call was about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to explain my situation to you. We, XXXX and XXXX XXXX were supposes to be foreclosure on our home on XXXX XXXX, 2015. The foreclosure did not materialized. I call the law company XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them. I Caliber Home Loan and told them. They sent me out a new bill on XXXX XXXX and I call a good company XXXX XXXX ) who was sent a proposal to Caliber. I did not know the illegally foreclosed on our home on XXXX XXXX and coupon for {$71000.00} payment amount was not due until XXXX XXXX. We did not receive a notice for the lawyer or anything. They did it under the table. My account number with Caliber was XXXX. I have all documentation. The loan was transferred to Caliber from XXXX who is still apart of Caliber. I hope you can help me get my house back. The people who purchased the home is XXXX XXXX, who was going to let me stay but claim his partner with not. The only number I have for them is XXXX. First name XXXX and do n't answer my phone call at all. My number is XXXX. I have leave my home soon. 
Thanks for the letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been in regular contact with my previous mortgage company about their reporting of my account on my credit report. They have agreed to remove late payment and account entirely from my credit report and have not done so. The account is paid in full and they have not yet removed nor will they submit to me a statement of removal, even after disputes through credit agencies.

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 2017-03-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
My name is XXXX I was informed by my wife that she was in contact with a debt collection company named XX/XX/XXXX because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that your company never informed me that you purchased this account from Comenity Bank. I believe that your company has violated the FDCPA, first by failing to send me a debt collection notice in the mail to give me the chance to dispute or pay this account, reporting this account to the major credit bureaus without a validation of the debt, and improper sharing of information with a third party. You have also violated the FCRA by reporting this account as open on XX/XX/2016. I am requesting that you to remove that account from my credit file immediately. XXXX can not use abusive, deceptive and unfair practices. I believe that your company has crossed the line and I am preparing a complaint with the FTC. I have already file a complaint with the Attorney General 's Office and the Better Business Bureau against XXXX, and I intend to file a complaint with the FTC and a lawsuit against your company and Portfolio Recovery for violating the FCRA and FDCPA.

Company response to consumer: Closed with explanation