BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/XXXX, I was served a lawsuit from Midland Funding. When I received the lawsuit, I observed that Midland Funding is suing me for an account stated, attached is the lawsuit with its exhibits. Midland included an alleged copy of a statement that does not show any charges nor any calculations regarding how those costs accumulated. I never had an account stated with Midland Funding nor anyone else. On XXXX/XXXX/XXXX, I mailed Midland a debt validation letter requesting all the account statements showing the purchases that culminated in the amount allegedly owed, credit card agreement with interest rates, all the interim and yearly disclosures from the credit card company, etc.in order to calculate the alleged amount owed, debt validation letter is attached. I also filed a Motion for Enlargement of Time and a Notice of Dispute in the state court. I faxed a copy of the debt validation letter to CFPB on XXXX/XXXX/XXXX, which is also attached. I had to attend a pre-trial conference on XXXX/XXXX/XXXX for this lawsuit. When I arrived, with a friend, there was NO JUDGE!!! I spoke to Midland 's attorney and they said I had to go to mediation in two months ' times and I told them that the debt had not been validated, docket is attached. I received a letter from Midland dated XXXX/XXXX/XXXX wherein they attach the same statement and exhibits attached in the state complaint. There are no statements that show what was purchased nor how the amount and interest rate was calculated. There has been no debt validation and Midland is trying to circumvent the Consent Order it has with the CFPB. Midland is abusive and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland funding has XXXX accounts on my credit reports and they constantly update these accounts as if they are valid and new every month they re-age these accounts I 've tried many times to dispute and delete to no avail. I 'm trying to buy a home and these are not valid or current items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that MIdland Fuding provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I made an international cash transfer using XXXX XXXX but through my Navy Federal Credit Union account. The amount was {$3600.00}. 
For some reason that was never disclosed to me, the transaction was canceled by XXXX XXXX. At the time XXXX XXXX told me that I had to wait up to 12 weeks in order to get my money back. 
The 12 weeks elapsed on XX/XX/2021. Several times, I contacted XXXX XXXX and Navy Federal Credit Union in order to get my money back. So far, nobody has been able to tell me where is my money and how to get it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep receiving notices from Transworld Systems that I owe XXXX XXXX {$45.00}. I have called and sent payments, but they keep billing me. I think I 've paid bills I did n't actually owe just to get them to stop. Each one is about 2 months apart. I have n't even been to XXXX since XXXX 2016! My bank shows {$45.00} sent to XXXX XXXX on XXXX XXXX, 2016. Today I got another bill for another {$45.00} from Transworld. This has shown up on my credit report. Every bill has a different account number and frequently a different mail-to address. I want this stopped. XXXX XXXX is a good company, but their billing practices are not. I do n't get bills from them. I just get late notices. And they do n't answer their own information lines. Neither does Transworld.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX bank sold my accout to midland credit management. I called them to make arrangements to pay, they stated I had to call back in a week.I called again and was told they could not give me any information at that time.They finally called me a week later and when I refused to give out my bank information I was told they would get an attorney.They also wanted to send all correspondence via email, I refused that as well and again I was threatened with them getting an attorney.I never refused to pay.They called me non stop.I then told them I had mailed a validation letter and once again they wanted to send it via email, when I stated I wanted it in writing via regular mail the again threatened to contact attorney in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Transworld Systems is now servicing my defaulted student loans. They called me and I informed them to stop calling me about the matter. They acknowledged the request and said they would stop calling me. They stopped calling me for a couple days then began to harass me with calls again. I, again, called them back and asked them to stop calling me about the matter. They have not stopped harassing me after acknowledging the request twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I do n't know what this debt is. I am a XXXX veteran with VA insurance. This debt has caused my credit rating to be lowered to XXXX. I can only assume this is some kind of XXXX visit to a private hospital and they did n't submit this claim to the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: SC
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 started monitoring my credit a couple of months ago. I noticed some inconsistencies that I addressed with the bureaus, and after their investigation everything was stated to be reported accurate anyway. I submitted the inaccuracies with visual proof, which was ignored. The notice of dispute was not updated to show that an investigation was done, for 2 different reporting cycles now ( XXXX + XXXX ). As well as the years that they are reporting are completely different. My visual proof for that was also ignored and stated to accurate or verified. I received a letter this morning saying that they are simply not going to investigate it again, when it may have never been done. Not to mention they are still reporting inaccurate information after Ive drawn out the errors to easily see. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Collector contacted me after XXXX on sunday XX/XX/XXXX at XXXXXXXX XXXX I received a call from Kohls XXXX regarding collection and I notified them they were calling illegally. This is the second occurrence. The prior incident occurred a week prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Company: ACIMA CREDIT, LLC
State: MI
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 already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX credit card account has been paid off, and my credit report still shows a balance and that it is delinquent which it never was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: National Credit Systems,Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
XXXX has violated several federal laws and are reporting inaccurate information on my credit report without being able to provide proper validation/verification of debt as required by law. On XX/XX/XXXX, I sent a Validation of Debt request under 611 ( 15 U.S.C. 1681 ) and asked for physical verification of the consumer contract under Section 609 ( a ) ( 1 ) ( A ). Please see attached XXXX did not respond within ( 30 days ) the time frames required by law, so I sent a No Response within 30 Days letter which was received by XXXX on XX/XX/XXXX. Please see attached On XX/XX/XXXX, I sent a third letter to XXXX requesting Validation of Debt under Section 609 ( a ) ( 1 ) ( A ) which specifically requires XXXX to prove the physical validation of a signed contract between myself and the alleged creditor. Please see attached. 
This is a complete violation of the law, and this is also hindering me from gaining proper housing. I do believe if XXXX could legally verify the account in question they would have sent proof by now. Since they have not and fail to remove the inaccurate account from my report they should be fined and held to the standard of the FDCPA. 
To date XX/XX/XXXX, I have yet to receive any investigation results. These are clear violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
I have constantly requested that Midland Credit Management give me the documentation backing there claim that I owe XXXX money. The account that is attached to this debt is not valid ... I have complained about this company in the past. I keep receiving letters threatening me with this unfounded debt for XXXX. I have paid XXXX directly the debt which was owed. I have sent numerous letters with tracking numbers via USPS to this company and the response is ALWAYS the same ... They are unable to provide verification and documentation that there is a valid basis for claiming this debt. ( Which has already been paid ). This is causing me undue stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I am submitting a letter I prepared for my XXXX counsel plan, but then professionally put to letterhead by them and forwarded in my behalf ... ... ..It is presented as I fully expressed to the lawyers ..They sent an initial letter XX/XX/XXXX ; and then after no response, the same letter subsequently was resent by Certiied mail on XX/XX/2016. Both attempts have resulted in no responses or acknowledgement. 
The address for American Express Company, New York, was given to me by a representative of my Delta American Express Credit Card company when I originally sought information on how to register my complaint of its unfair consumer presentation and dellivery. Hopefully, an outreach effort by your organization will assist me in receiving what is fair and due me by virture of good and honest business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Due to a court order from my divorce, I either have to refinance my home or put it on the market by XXXX XXXX, 2015. I spoke with an agent at XXXX bank who has me locked in at a rate as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I 've been dealing with an HSBC agent and inquiring about my account and wondering why they had continued adding interest on the back end of my loan. She called me back the following morning and said that it was incorrect and that she would look into it. I have been telling her that time is of the essence and as of today, XXXX XXXX, 2015, it 's just now going up to another level because it 's not being taken care of. " TIME IS OF THE ESSENCE. '' I need your help on this matter because from what I see, I 'm going to loose my rate that I 'm locked in on and if I had sold it, I could have very easily lost that deal due to insufficient knowledge of a bank that holds not only my mortgage, but millions of others. Knowledge of something that they should know. A bank that has not given respect to a long time customer and XXXX that is trying to fulfilled court orders. Please help! 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive phone calls and letters from MCM ( Midland Credit Management Inc ) stating that they are acting on the behalf of XXXX XXXX. to collect a debt of {$590.00}. I have a current and active account with XXXX that is up to date. I do not owe this fraudulent debt that is being solicited by MCM. I have stated this verbally and written letters and reported this to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL 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:
There are false credit card balances being reported to credit reporting agencies from capital one and XXXX. They are inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I received an American Express rewards card for {$500.00} which expired six months from the time of receipt. I used up the balance before the card expired. Several months after its expiration, I had to return an item I had purchased with the card to XXXX. I requested an XXXX credit but they mistakenly sent a refund to the expired card. Since the card was no longer valid, this should have been bounced back to XXXX but somehow it went through. I contacted XXXX and they are not able to get the money back from AE. I have since called the company on nine different occasions asking to have the money returned to me. They repeat that balances left on the card at expiration are forfeited, only this is not the case here. When I explain this to them, they tell me that they are escalating the issue to another department and will be in contact with me but in the month that I have been trying to resolve this, they have never contacted me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18
Company: Penn Credit Corporation
State: FL
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:
A validation letter was sent within the first 30 days of contact- they did not send proper validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
There was a charge from XXXX for XXXX $ that I did not authorize. I disputed the charge with in minutes of the transaction, but American express did not research the transaction and awarded the company my money, even though it was against my will. 6 months later they have refused to address the issue, and now that it 6 months later, they refuse to re investigate it. I have contacted them every month, if not more to keep up with the charge. Every time they promise to contact dispute resolution, and have the issue rectified. Every time I call back, they say the previous action did not occur. They have aided this unauthorized charge.And at this point, I consider it aiding in theft. Every time I call I 'm on the phone for more than an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am submitting in regard to case number XXXX I had already filed a complaint and gotten a response. The XXXX bank done what they needed to do after investigating the initial complaint ( XXXX XXXX, atm didnt ' give money/filed all proper disputes/etc ) and they had responded saying that they had keyed in a credit thru their processor to American Express ( which is the card I had used at the atm ). Well, American Express has closed my card without my knowledge first and now I am wondering how I am supposed to get the credit that was keyed back in to my card?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
Please remove ALL fraudulent accounts that are reflected on my personal credit reports, as I do not have any knowledge of these accounts. These fraudulent accounts are NOT accounts that have been authorized by me or any legal representative contracted by me. I have been a victim of several Data Breaches. 

The following listed accounts are accounts that are NOT accounts that belong to me and are fraudulently listed on my personal credit reports. The derogatory history and listing of these accounts on my credit reports have cause me grave financial damage and an irreparable financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Express sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called American Express to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that American Express wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked American Express to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to American Express about this and they would fix it XXXX month and then the next month it would be back on the statement. The American Express bills would reflect exactly what I am describing. So when I went to court American Express refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of American Express for proof that I owe this money and they could n't produce any statements. When my attorney asked American Express in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid American Express by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
had 3 transactions that were disputed 2 unauthorized 1 billing dispute. 
Chime refuses to investigate any of the charges. 
Chime claims no errors occurred and has ignored 3 email requests on how to continue dispute and provide valid proof of charges. No response from chime.

Company response to consumer: Closed with explanation