BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-19
Company: TRANSWORLD SYSTEMS INC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/15 I paid Transworld Systems Inc. for an old military debt on my XXXX XXXX Card for the amount of {$3700.00}. I had a garnishment on my paycheck prior to that and on XX/XX/XXXX {$500.00} was garnished, and again on XX/XX/XXXX my pay was garnished for {$240.00}. I have contacted Transworld Systems Inc for the overpayment and have still not received my overpayment refund and can not get an answer to when and if it will be refunded. I also contacted the XXXX XXXX XXXX card and the balances between the collection agency and the debtor do not match. Transworld has been very hard to deal with and the XXXX XXXX put me on hold for an hour when I requested a manager. I 'm very frustrated with the XXXX agencies and would like for them to contact each other, figure out my overpayment, and refund me immediately, I have paystubs that can verify the garnishment as well as the wire transfer from my bank when I paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 2021-11-15
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX, a consumer/natural person I am sending in this complaint on behalf of myself, there is no third party involved. I reviewed my credit report and found unauthorized inquires. I did not give written consent for these items to be furnished on my report or for the lenders to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card
Issue: Other

Complaint:
I obtained an American Express Platinum Card that had a bonus of XXXX points after spending {$3000.00} in 3 months. 

I completed the spending and received the XXXX points. However, American Express has frozen the points on my account and it has been close to 2 months since my points have been frozen without any notification as to when they will be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a credit card with American Express # XXXX XXXX XXXX. Due to loss of income I missed about 3 payments in 2015. I have made monthly payments every month since XX/XX/2015. I received a 2nd call from their collection dept today from XXXX from someone very obviously in XXXX. Amex evidently has not updated their records with these foreigners. My account is not in collections - it is current. I am being harassed to pay a settlement or they ( from XXXX ) threaten legal action. I want this stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: National Enterprise Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I already have made a complaint, on XX/XX/XXXX, against two different Ceditors, XXXX XXXX ( Original ) and XXXX XXXX XXXX ( Current Creditor ). 
The Complaint number, # XXXX. 
You have requested a Feedback on XX/XX/XXXX. 
Feedback was due on XX/XX/XXXX. 
I am sorry and appologize for being unable to make any feed back. 
I have another Threaten made by a Debt collector, " National  Enterprise Systems ", who made telephone calls, from # XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX. I contacted them and explined the Fraudulant account history and my XXXX XXXX. 
Tehn, I received another letter from the same debt collector, National Enterprise Sysems, XXXX XXXX XXXX, XXXX XXXX, XXXX. OH XXXX. PhoneXXXX   XXXX. 

I aleady have submitted the necessary information and documents, against this Faudulant transactions. I do hereby dispute this Credit Balance of {$5000.00}. 
The original creditor has misused my monthly payments made in XX/XX/XXXX and 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 2020-10-18
Company: Experian Information Solutions Inc.
State: NJ
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 unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove 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
Consumer complaint received 2017-09-20
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FOCUS FINANCIAL SERVIC XXXX and XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today I got an email from a company stating " Southwest Recovery Services is a debt collector. 
We are trying to collect a debt that you owe to XXXX XXXX XXXX  dba XXXX XXXX Texas We will use any information you give us to help collect the debt. '' I verified that the debt that was assigned was actually paid already. I contacted the collection agency to advise them of the dispute and was told " the debt will remain in collection until XXXX XXXX tells them otherwise. good luck to you. '' and then the agent termed the call. I called back and spoke with a manager and he said proof of burden was on me, that i need a letter from their client stating it was an error otherwise collections will continue. I asked if i could send proof it paid to dispute. He said no, that their client needs to contact them then hung up on me when I told him they needed to provide proof of the debt becuase i have proof its not valid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-13
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed XXXX claims Claim ID : XXXX for XXXX XXXX $ Someone bought XXXX using my account and the bank refused to lend me anything back. I filed reports immediately and swapped my card, but no action was ever taken.

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 2017-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX     XXXX   XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late

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 2016-08-07
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at Citibank based on a targeted offer for XXXX XXXX XXXX miles after certain criteria were met. As I understood from the personal banker, I made sure I had met those qualifications. Also, I was never given any paperwork stating specific qualifications for the promotion. I followed up and was told by a customer service representative that I had met the qualifications. Then I was contacted by the personal banker stating that I had not met one of the qualifications. I followed up with customer service to try and resolve the issue ( because the personal banker was not helpful ), but it was not resolved. I was mislead and the bank is not willing to resolve the problem.

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 2016-06-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I placed an order for a medical supply, which was delivered after the required date. The merchandise was returned to and accepted by the shipper. I have provided all the documentation requested by Citigroup 's dispute department, include a letter from XXXX confirming return of the shipment. The Citicard credit card company is refusing to issue a credit for the amount of purchase.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried logging into my Capital One credit account and it didnt let me so I called the directly and after giving all of my information to them they said they cant tell me but the account has been closed. I asked when was it closed he said he couldnt tell me that I asked about the payments and money that I pay monthly he said he cant talk to me about this account I then asked again why this account that was in perfect standings was closed and he replied that he could no longer talk to me about this account. I have recently paid them as I do monthly as would like a explanation and a refund on the money that I have given this company. It also shows on my credit report that is was closed. My account Once again has always been in perfect standings and all I was trying to do is go on my app and make a payment. Now I have money that Im at a loss as well as a company that wont talk to me at all or give me details after providing my ssn number dob full name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-10-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from a representative from CONVERGENT OUTSOURCING onXX/XX/2020 about the collection of outstanding debt from XXXX. I spoke with the representative from CONVERGENT OUTSOURCING and came to an agreement that I would pay the balance with the condition of a pay to delete. The representative from CONVERGENT OUTSOURCING agreed and paid the debt immediately on my XXXX XXXX. 

Below I have attached a screenshot where the balance shows {$0.00} dollars. 

I have reached out to CONVERGENT OUTSOURCING numerous times trying to remedy the issue. I have opened disputes with the credit reporting agencies ( XXXX   and 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 2020-04-15
Company: Experian Information Solutions Inc.
State: CO
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:
CROOKED NOT HONORABLE COMPANY!!! LIES, LIES AND LIES. 
I was solicited by XXXX 
I've replied to this company in XXXX of XXXX, and told them that I am open for offers, however, if they are going to do hard credit pull before showing me possible terms, I am not interested. 
The case was closed. 
However about 3 month later Hard credit inquiry appeared on my credit, without my consent or knowledge. On XXXX After contacting them and speaking to Manager XXXX, I was told pretty much that they reserve the rights to pull my credit anytime, and without my consent, which is ridiculous and not acceptable. I want this unauthorized inquiry removed from my credit report, and all my personal records destroyed and removed from their database. My credit score dropped due to such unauthorized inquiry. Dishonorable company!!!

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 2015-07-15
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:
I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Return Receipt Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see XXXX Validation Letter Attachment ). 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.

Company response to consumer: Closed with explanation