BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My doctor ordered me to take several medical tests. He did not disclose that there would be a copayment cost with each of them. He is obligated to disclose this to me up front as I am a XXXX patient. I wrote a letter to the medical company saying I should not have to pay the copayment charges as I am a XXXX patient and am supposed to be told up front if there would be any expense to me. The medical company did not reply to my letter but shortly thereafter I received a letter from a collection agency that I must pay. The medical company saying I owe {$100.00} is XXXX MO XXXX. The account with them is " Re : XXXX XXXX XXXX Acct # XXXX {$100.00} ''. The collection agency they used is : Transworld Systems Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. Their reference is : XXXX XXXX XXXX XXXX, Total Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Receivables Performance Management, LLC
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 information incorrect

Complaint:
I have an active XXXX account that monitors my credit. I received a notification today, XX/XX/XXXX, that a debt in the amount of {$5800.00} is being attempted for collection from RECEIVABLES PERFORMANC on behalf of original creditor XXXX XXXX XXXX XXXX. I have NEVER received any financial services and/or goods from the XXXX XXXX XXXX XXXX XXXX 
It is reported as : Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department Status date : XX/XX/XXXX I do not know why I now have a debt for collections with this company. From doing a XXXX search, I have come to find that many people have filed a complaint against this company for the same reason.

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 2022-03-28
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX, XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: TN
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:
credit report are supposed to be accurate an valid my reports are not such across the board the amount for violations of my rights will be drawn up in an invoice with a list of violations as i have given them years to fix these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I placed a call to first federal credit control on XXXX to inquire about a settlement and spoke to a representative by the name of XXXX at EXT XXXX. XXXX explained to me she would send me out a bill that I requested and she asked me how much I can pay to satisfy the debt and I gave her an amount she said it would take 24 hours before she can give an answer. XXXX failed to notify me that she was a debt collector attempting to collect a debt. About an hour later I received a call from XXXX and the agent explained I would n't be able to settle the debt I have to pay the full balance and she asked me when I planned to pay but she never disclosed she was a debt collector attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.

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 2018-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
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:
Portfolio recovery the creditor accepted payment in lieu of deletion. Once they took payment out they promised to delete this account but have not complied with their promise. BESIDES THIS ACCOUNT IS OVER 7 YEARS OLD AND HAS PASSED A STATUTE OF LIMITATION, AND I WAS ONLY THE AUTHORIZED USER ON THIS ACCOUNT BUT THEY FORCED ME TO PAY THREATENED LEGAL ACTION AND JAIL IF I DIDN'T PAY NOW THEY ARE IGNORING MY CALLS, LETTERS AND ALL REQUESTS TO HAVE THEM COMPLY AND REMOVE THIS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had an arrangement with American Express that they would take out {$500.00} a month on the XXXX of every month directly to pay down the outstanding balance of my account. 
They have taken it out {$1500.00} to {$2000.00} out of my checking account. 
Today I was updated by Experian of the following : They Charge off my account? even with an agreement? And American Express was taking Money directly from my checking account Monthly? and I would not be charged further interest? Where most of the incurred debt is coming from. Why did they call me and get me to agree to the terms that they requested if they were going to pursue a charge off '' XXXX Potentially negative information has been posted to your Credit Report Hide DetailsBusiness : Phone : Status Date : Payment Status : AMEXXXXX XXXX XXXX XXXX, FL XXXX/2015Charge-offReported By : XXXX What is Potentially Negative Information? 

An item is " Potentially Negative '' when a credit reports that you have not met the terms of your agreement with them. This may include late payments, charged off accounts, accounts sent to collection, bankruptcies, liens, judgements, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Made a {$19.00} fuel purchase at a XXXX. A hold came on the account for {$150.00}. 

Called XXXX cooperate they had already completed the transaction. 

Called my bank, they said merchant has to release the funds. 

Conference merchant in with Account Manager for Amex. 

Stated could n't and would n't release the hold cause they do n't know if the merchant took the funds. ( Merchant offered to fax over confirmation ) Amex refused. HOLD still remains. 

I have {$0.00} as a current total balance. They have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller I.D . says Midland Credit. The phone number that shows is XXXX. We have gotten daily and sometimes twice a day harassing phone calls and they have not left a message for the past 1and a half months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Contacted my mortgage company today to have payments deferred as per NYS mandate since I am out of work. They said they are not participating. 
Carrington Mortgage Company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There's alot of inquiries on my report saying what I applied for as it has it XXXX or XXXX XXXX why would I apply XXXX times around the same amount of time it's wrong and I see a phone number XXXX area code I never had a number with that area code so some of those things are wrong why would I apply for credit in the same card within XXXX weeks or XXXX months or so and those loans u never had them check my credit .atbw XXXX of them and maybe somehow they all got my information and started getting me inquiries and the reason I wansnt paying my credit cards as I was in the beginning is due to covid and loss of job no income at all no unemployment nothing at all I get no income and they keep knocking my credit lower buy ita Vue to the COVID and hard to get a job and the XXXX XXXX XXXX they sold my file or something like that now someone else has my information not credit one no more that's giving my identity away to someone else when I never got a credit card from. Then but there askr me for paymenta

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We ( my wife and I ) working with a Forensic Mortgage Analyst found that our mortgage had been handled improperly and are looking for relief. The big " Banksters '' were bailed out with our tax dollars. The States fined the banks and won money from the banks. I am an individual working to be a good citizen. I want to know where my bailout is??? Please read attached Forensic report for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Can someone please help us! 
My wife and I must be truthful and our credit scores are less than bad. Also about two months ago we received a modification on this home we 're in now. This has been a nightmare but while I was on military XXXX. 

I was approved to be under the Soldier and Sailor act. 
This lowered, credit cards and our mortgage payments. Unfortunately this mortgage company later wanted to know who was going to pay the difference in payment cost. 

We tried to explain but was met with no aval and they placed the difference onto our loan balance of our loan. 

Which we were unaware until many months later. So after going back and forth with the mortgage and still being on XXXX XXXX and away from home. Our loan was moved to another mortgage company ( Ocwen ), until we attain the modification. 

Unfortunately this is still showing negative on our credit history. How in the world can our government system, allow these companies to ruin families. We are honest people and we hope someone can help. Thank you in advance ; my contact information is XXXX ; XXXX Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.

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 2022-03-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have somebody else 's collection showing up on my Experian credit report. They have a similar name like mine but a different date of birth and a different social. I have called experian on the phone for 3 hours and they just put me on hold. I have also sent certified mail over 30 days ago ( proof attached ) and they have not resolved it yet. 

I have sent Experian plenty of proof that it is not me but they keep reporting the other persons collections under my 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 2017-03-27
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
I applied for a credit card on-line last XX/XX/XXXX from American Express. I never received the card or any statement. In XX/XX/XXXX I received a statement requesting a fee for {$95.00}. I called and told them I never received the card and do not want the card now. They have refused to remove the fee since they say it was over 30 days since I applied for the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took a private loan out for specifically daycare expenses XXXX, my school XXXX COLLEGE had there own daycare where my son attended. XXXX day i received a notice he was closing daycare for good, so after that i looked for a new daycare for my son to attend while being enrolled in school at XXXX i went back to my finical advisor to ask if i would be awarded the remaining balance due to my son not attending there daycare. The advisor told me that they were gon na meet with all the affected students, and they where gon na hold a meeting the following week and he would notify us with more info. The week was coming up when we received a notice that the owner XXXX XXXX posted on the student portal that he was going to voluntarily close the school. So my concern is what type of legal actions can be done due to him closing and me not getting any info from the advisor or XXXX? He was granted ch XXXX bankruptcy and now on XXXX XXXX he will file his ch XXXX i was never given a exact amount of what was paid to XXXX in total, and why was i never given the remaining balance paid out to apply to my new daycare my son is attending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
sent hacking police report and ftc they wont fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit reportXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir/Madam, I have contacted the company Credit Bureau Services multiple times on XX/XX/2020, XX/XX/2020 and XX/XX/2020 in regards to an alleged debt in which they are reporting on all three of my credit bureau reports for the sum of {$2000.00}. 

The original creditor shows as- XXXX XXXX XXXX. 

To date I have received no response from Credit Bureau Services after my numerous requests for validation for this alleged debt. Credit Bureau Services also verified this as accurate information with all three credit reporting agencies after I disputed this account. 


Thank you for any help that you may provide. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: GA
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  Account # XXXX, XXXX XXXX  Account # 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 2022-03-28
Company: Experian Information Solutions Inc.
State: NV
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : Names ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$620.00}.

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 2022-08-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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 has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A SECTION 2 : it also states that a consumer report agency can not furnish an account without my written instructions.

.

15USC 1666B : a creditor must not treat a payment on a credit card account or any loan account under an open end consumer credit plan, as late for any purpose.

Company response to consumer: Closed with explanation