BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt in full XX/XX/XXXX that was owed to the XXXX. I know the debt was resolved because prior to paying it, my tax return was garnished multiple times. after paying the debt i filed XXXX more returns and it was not garnished. Further more i contacted the IRS to confirm. XXXX/XXXX/16 i received a letter from " Transworld systems inc. '' attempting to collect on the same debt already paid. I have also received auto dialer calls to my cell phone. Upon researching the company i was able to find they have been fined recently and have universally negative reviews among debtors and companies that have tried to use their " services ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
The creditor in question, XXXX, XXXX XXXX XXXX, XXXX ( hired by Midland Funding LLC of XXXX XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX District Court. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided XXXX, XXXX XXXX XXXX, XXXX with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
a debt I want to resolve but the amount has been XXXX they want down payment of a little over {$400.00} before they talk about a program to get on. I am really concerned about the amount. the company is Midland Funding LLC. collection agency, I do not have that kind of money. I defaulted but I want to do the right thing. The account debt was bought from XXXX the original credit card issuer. The sum of {$1500.00} as the principal amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Carter Young was contacted on XX/XX/XXXX to validate the alleged debt. It fails to respond to the validation letter. On XX/XX/XXXX, Carter Young reported the medical debt as valid on my credit report. The credit collection agency failed to legally cease collection efforts, and remove negative items placed on my credit report.. On XX/XX/XXXX, a second notice to cease any activity on my report, and delete invalidated debt was sent. However, Carter Young failed to comply, resulting in violation of The Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XXXX XXXX I submitted a certified letter to the company Pro Collect INC demanding to be shown verification that this debt is valid or I asked them to delete the debt. I did not hear back from them in the 30 days required by law.

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 2017-03-22
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
American Coradius International LLC ( ACI ) has been attempting to collect XXXX USD on behalf of XXXX. since I received a notice on XX/XX/2017. The notice I received from ACI was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from ACI stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to ACI, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor XXXX ( emails attached showing XXXX notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they ACI cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that ACI only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to ACI at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by USPS Tracking. According to USPS Tracking, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX from ACI XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX from American Coradius International. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has ACI continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
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:
Originally owed XXXX XXXX Credit Card. At some point they referred to collection or sold to Midland Credit Management who sent me an offer. Their letter said : " If we receive {$240.00} by XXXX, we will consider your account balance paid ''! I sent check # XXXX for {$240.00} on XXXX/XXXX/XX/XX/<YYYY> On XXXX XXXX, XX/XX/2015, they sent me a " Statement '' saying thank you for your {$240.00} payment ( credited on XXXX/XXXX/XX/XX/2015, XXXX days before the day they had to receive it by ) but reflecting a balance of {$160.00} even though I met all the terms of their offer. Please ensure they correct their records to reflect this account as paid and report the same to all XXXX credit reporting agencies. Their ( XXXX ) Account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016 I took advantage of an offer on XXXX to " Earn a {$100.00} Statement Credit and XXXX Bonus Miles '' when I " Apply for the XXXX XXXX XXXX Credit Card from American Express. '' The offer, which expires XXXX/XXXX/2016 is still posted. American Express gave me only {$50.00} statement credit and refuses to allow me to submit screen shots as proof and refuses to allow me to " dispute '' the amount. My billing period has since closed and I am responsible for owing an additional {$50.00} which should have been part of the {$100.00} credit. They opened a case for which they will not allow me to submit proof, and said it will be resolved in 6-8 weeks ( AFTER I will have paid the additional {$50.00} ). Delta has acknowledged that the offer is still posted and gave me a {$50.00} airline credit toward a future flight, but advised since AmEx is the card issuer/bank, I must get the additional {$50.00} credit from AmEx. AmEx says I must get it from XXXX. XXXX at least listened, acknowledged and took action. AmEx has refused any responsibility and has told me 1 ) I am mistaken ; 2 ) perhaps the offer was n't valid when I applied ( even thought I have a screen shot ) ; says it is none of my business whether or not this has happened to many OTHER customers who applied for an AmEx card via the same offer. AmEx still holds me responsible to pay the extra {$50.00} on my statement, and will not suspend it until the case is resolved. Amex will also not record it in my online credit card profile to show that there is an open case. This seems at the very least to be unethical trickery by AmEx. I hope their investigation includes ALL customers - not only those who complain - who have been cheated out of {$50.00} on their AmEx statement. {$50.00} x many customers can potentially add up to a lot of money making AmEx richer while their customers get cheated. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Company: U.S. BANCORP
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The boat was totaled on XX/XX/XXXX due to XXXX XXXX. XXXX XXXX has sent US Bank a check 3 times. XX/XX/XXXX, XX/XX/XXXX, and XXXX. US Bank refuses to cash the check and pay off the loan. I have called consistently for four months trying to get this problem resolved and no one from the company will help or call me back to tell me why they will not cash the checks.

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 2015-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian will not remove debt off of my credit that can not be properly validated. I do n't know what they take as validation but this company trying to get money out of me has not sent me one thing to prove anything I owe. XXXX removed everything and followed the law. Not sure why Experian is not. 

I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX. ( under the FCRA ) A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Experian has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Experian can not produce these items that the company has sent to them then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. XXXX Texas Surety bond information as required by Texas XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
the bankruptcy on my credit report for Experian and XXXX is not mine

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 2015-03-22
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Rewards

Complaint:
I have XXXX amex credit card. I have accumulated reward money on it for year XXXX which were supposed to be sent to me in XX/XX/XXXX month as coupon. I am yet to receive it. 
I wanted to cancel the card because of poor service but I have been told If I cancel the card I will not receive my last years reward coupon. I understand if they would have said this for year XX/XX/XXXX. I felt it was kind of a ploy to keep me from not cancelling the card. 

My card details are as follows name- XXXX XXXX credit card number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: MO
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
Transworld XXXX is servicing a debt collection for XXXX XXXX. They did not post the correct amount owed on my credit report for over 36 months, even as I was paying them hundreds of dollars a month to pay down my balance. I have never authorized them to call my office and have expressly denied allowing them to call my work number and yet they wo n't stop calling my office line, which may threaten my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Chime Financial Inc
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, I received an email from Chime Bank stating my account was suspended due to suspicious activity. I had zero warning. I immediately called customer service, after they already verified that I was the account holder, by my phone number, email, address, date of birth, and SS #. They told me I needed to provide proof of address and two forms of ID, which I sent in on the XXXX at XXXX XXXX. I have yet to get a response from anyone or a status update. I have multiple deposits going into my account and have no access. My rent is currently late because of this. I have called everyday since and have gotten no where. After seeing a number of complaints from other people, this looks like its their MO. They close peoples accounts for suspicious activity then steal their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: Peak Acceptance, LLC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I voluntarily turned in a vehicle in 2013. After the sale of the vehicle the balance owed was XXXX. The finance company continued to charge interest fees and they are showing the XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-02
Company: Diversified Recovery Services Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the XXXX. I spent 15 mins with him in his office. He was in network and the insurance company paid him {$750.00} and I paid my copay and out of pocket of {$95.00}. He is trying to collect {$1200.00} forfor almost doing nothing. He labeled the procedure pre operation which is false. They want me to pay the difference in what the insurance did not pay plus my copay. I refuse to because I was in network. They think they can charge whatever they want and collect it. Almost {$900.00} for 15 mins of work is plenty enough without trying to get more out of me just because they think they can.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
l am not one to complain but in this case l feel l must. 
HSBC breached my privacy by giving my sister all account balances and activity for myself and my parents. 
When I learned of this I contacted the branch manager, XXXX XXXX. He sent me a letter of apology for what had happened ( see attached ) and admits to an unintentional oversight. Apparently her " buddy '' in the branch had no problem giving her whatever she asked to see. 
This oversight caused a legal battle due to information that was given to my sister that she had no business knowing. 
Although this happened in 2013, Litigation is still currently in the courts relating to this unthinkable act precipitated by the bank. 
I always thought my confidentiality was between me and the bank and never to be compromised. 
I recently contacted HSBC 's legal department ( see attached ) and was sent a two word answer. They did not want to hear it, help, and was totally disinterested. 
When I questioned this response, lwas told to contact the two regulatory agencies with the complaint and they would then get it back and at that point they would have to re-examine. 
Needless to say, this unintentional oversight has cost me great monitory hardship, not to mention the legal fees. 
I am asking you to investigate this breach of privacy. 
Thanking you in advance for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity.

I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I will file a complaint right away!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: FinCo Services Inc DBA Current
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I noticed that my balance was really low when i signed in to see if my direct deposit had hit yet. I started reviewing all the transactions and found XXXX charges to XXXX that were not mine. I contacted Current and filed a dispute and was told that i would be recieving a provisional credit for the charges until the close of the investigation. I have not received any credit nor have they done anything about it. I have tried chatting with them through the app and get told the same thing every time, " its in review ''. There were XXXX charges and i have listed them below : 1. XX/XX/2020 @ XXXX for {$120.00} 2. XX/XX/2020 @ XXXX for {$210.00} Total : {$340.00} I just want my money back. Any other bank i have done business with would have had this back in my account a very long time ago. If you can help me out with this, i would appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
After a rigorous application process and having told the lenders that we wanted our mortgage to be l {$1500.00} or less, we decided to not proceed with them on financing our home purchase. A very aggressive and intimidating man made many harassing calls to our home using different phone numbers attempting to pressure us. 
He resorted to making threats and boldly told us to work with him otherwise, he would sell and misuse our financial and personal information to tarnish our stellar credit reputation. This is a VERY SERIOUS and disturbing threat to hear from a mortgage lender. This is unethical, illegal and crime of moral turpitude

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/2021 I have sent in my Identity Theft Report to XXXX, XXXX, and Transunion to inform them of items that need to be removed and deleted from my credit report.

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