BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reported : XXXX XXXX, XXXX - {$640.00} Balance {$640.00} Highest Balance {$640.00} Opened XXXX XXXX, XXXX ( 1 yr, 8 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
Since XXXX/XXXX/2016 we have received XXXX invoices, # XXXX, # XXXX and # XXXX, all with order # XXXX, totaling {$3300.00}. The first XXXX invoices were charged to our other XXXX Chase credit card, Totaling {$2000.00}. That has been closed. Neither I nor anyone applied, requested or authorized charges with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card was in her possession at all times, these charges were made. We called XXXX and XXXX numerous times since XXXX/XXXX/2016. They will not give us their name. We are told someone will call back in 20 minuets and the call is disconnected. No one returns our calls. They will put us on hold with clicking on the line and men laughing, then the call is disconnected. I gave them the invoice # XXXX, they gave me a different Company Name, not either XXXX of our business names. Today I gave them the invoice number and the call was disconnected. I call the XXXX number and no XXXX answers, like they blocked my number. I ca n't believe we are the only people getting scammed. My husband is a XXXX, he is paid {$13.00}. a head and pays 30 % of that for his space rental. He does n't use a computer at the XXXX. He writes all the record keeping down. We do n't even use XXXX on our XXXX. If we need to back something up on a computer, we use a thumb drive. My husband is retired XXXX XXXX and a XXXX XXXX. XXXX scammed both our business '. They charged the XXXX invoices on XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Credit card. The invoices ' all have XXXX XXXX XXXX, XXXX, under the XXXX, started business on XXXX/XXXX/2016. Thank you for your assistance in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX22 I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes have been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.

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 2016-09-29
Company: ERC
State: LA
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:
After requesting validation of this debt from Enhanced Recovery, they responded with a letter stating they were going to delete the account from my credit report. However, when I got the results from XXXX the acccount remained on my credit report. I sent a copy of the letter stating they were going to delete the account from my credit report to XXXX and XXXX responded stating Enhanced Recovery had verified the debt. This letter is clear in stating that the account will be removed and is dated XX/XX/2016 so there is no reason the account should be verified as of XX/XX/2016 especially since XXXX had proper evidence the account was to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX was/is calling my family Memebers, my job, and my cell phone all hours of the day up to 15 times a day Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or XXXX XXXX   XXXX  Attached to this complaint or four  different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or XXXX XXXX  XXXX. I repeat these are only missed calls and they are all from XXXX XXXX  in the last few days

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 2015-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I use XXXX to download my monthly bank statement via web connect and import it into the program. I purchased the program in 2010 and have been billed by Citizens Bank {$9.00} every month since then without my consent or knowledge. The fee is not labeled on my Citizen 's statement and I thought it was a " phone '' use payment ( and is marked as such in my XXXX files XXXX. I finally called and visited the bank about this today to help me identify the source. The gentleman there called into the company and stated it was a quicken fee. I did a little research when I returned home and realized it is a bank fee for the online bill paying service. I do not use bill paying, only web connect, and never signed up for it anywhere. See the instructions Citizen published info on its website regarding signing up for this service. ( XXXX XXXX ) ( this is for pc but there is a similar one for XXXX XXXX. I then called into the number on that page and another person said I should be checking my monthly statement and he would reimburse me only two months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20
Company: Keynote Consulting, Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I sent a letter out certified mail to keynote consulting asking for method of verification letter and I have never received anything with the proper documentation about this account. They keep saying they investigated the account but never send the documentation I ask for in the letters stating. The debt they are asking for is XXXX but I would like to see original contract with my signature on it I have sent 3 letters out and have not received anything yet.

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 2021-09-01
Company: I.C. System, 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 information incorrect

Complaint:
There is a company IC System which is reporting a collection previously report to my all three companies. So far They have reported this XX/XX/XXXX, XX/XX/XXXX and again today on XXXX ( XXXX ). I sent a certified letter on XX/XX/XXXX to this company explaining why this should not be reported and a counter offer. I have not heard back from them. When I attempt to visit their website they are asking me for personal information - DOB, SS #, etc and I feel i should able to contact them with the account number on the letter - XXXX amd reference number XXXX, without providing additional information. I bel ; eive the account was sold from collection agency to this one.

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 2023-04-12
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
Company: EQUIFAX, INC.
State: AR
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:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this day over 30 days later, I have received a response yet. I feel like they are taking advantage of me because they control my report, so they can just ignore my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those inaccuracies off my credit report. They are outside the scope of their investigation period, so those items should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation of the matter due to the stress this has placed on me and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Ridge & Valley Realty, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Violations of the Consumer Credit Protection Act, enacted in XXXX Failure to substantiate date of receipt of this account Failure to Validate the Debt Deceit & false information Using abusive, unfair, or deceptive practices when they collect debts I wrote a demand for authentication of debt on XX/XX/XXXX. The only evidence your company provided was a HAND-TYPED letter that that did NOT include VERIFIABLE proof of any evidence to substantiate this debt. 
Hand-typed letter consisted of the following : -Incorrect dates of transactions -Incorrect dates and/or late fees were added to the account -No contract ; only an Automatic Payment Authorization Form THAT WAS OPTIONAL according to the business AND IS NOT THE ALLEGED CONTRACT ) with a WRITTEN NOTE in the right-hand corner 10-month contract that has an address listed that I no longer reside at from XXXX THAT WAS OPTIONAL according to the business AND IS NOT THE ALLEGED CONTRACT ) -No proof of successful payments, transaction numbers -No proof of alleged unsuccessful payments -No proof of signature or contract ( only on an Automatic Payment Authorization form -No proof that identification was supplied, or copy taken when signed to verify that the signature was in fact mine -No official date off when the account was bought/obtained by your company to ensure that you were within the FDCPA regulations. 
-No include statements or amounts documenting how the amounts of {$710.00} and {$760.00} were accumulated by XXXXXXXX XXXX XXXX -Credit Systems NEVER provided actual validation of this debt after A SECOND correspondence to your company on XX/XX/XXXX that the information supplied was NOT enough evidence/proof in accordance to FDCPA laws. And after your company had already exceeded the 5 days legally allotted to supply information to me. And STILL havent done so in these 230 days since my last correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I would like to file a formal complaint against The XXXX. I had a balance owed at the end of the XXXX semester. A large portion of the balance owed was in a single line item entitled " QM-Unif BKS Supply Deposit ''. I requested a detailed accounting of that line item from The XXXX on a number of occasions and it was never provided. My mother made a similar request and made it clear to XXXX XXXX that I would not pay the balance without a detailed proof of debt. As a result, the matter was referred to a collection agency - Williams & Fudge. We worked with XXXX at Williams & Fudge and received the Proof of Debt on XX/XX/XXXX and immediately remitted payment to XXXX XXXX for the full balance owed. Now I have received an invoice for {$520.00} from Williams & Fudge for collections costs for which I do not believe I am responsible. 

If The XXXX had provided the Proof of Debt when requested, the matter would not have been sent to a collection agency in the first place. I believe The XXXX takes advantage of young college students and does not afford them the rights they are entitled to because they are young and inexperienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Flagstar Bank, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After we closed on our mortgage for property address XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX, our loan was purchased by Flagstar Bank on XX/XX/XXXX. 

On XX/XX/XXXX, our home was damaged in the tornado, requiring extensive rebuilding. Our insurance company has dispersed funds to us on XX/XX/XXXX and XX/XX/XXXX but the funds are required to be processed through Flagstar Bank ( our mortgage lender ). After over a month of cooperating and pleading with Flagstar Bank to release funds to our contractor, we finally received a check to pay our contractor for the rebuild costs. 

On XX/XX/XXXX, we received a check in the amount of {$93000.00}, a portion of the {$170000.00} we've received from the insurance company. That check was written to me XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, my contractor. On XX/XX/XXXX, that check was deposited into the contractor 's bank account and on XX/XX/XXXX, the check bounced. 

To whom do I turn to get this resolved? The mortgage company is now placing me on permanent holds when I call, resulting in an automatic hang-up after 45 minutes, once the customer service representative has verified who I am and why I'm calling.

I'm at a loss and terrified our contractor will place a lien on the property and this will financially destroy us. Any information or insight you may have would be enormously appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and XX/XX/2016 Late Payments were reported and placed on consumer credit report. Company refuse to provide proof of payment history of any payments not made on-time.

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 2020-07-09
Company: I.C. System, 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:
Several companies have taken advantage of the recent pandemic and have put false negative items on my report. an energy company filed a collection in XX/XX/XXXX and a few other accounts. these are not even accounts i opened myself.

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 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Information belongs to someone else

Complaint:
I have disputed this twice with TransUnion in the past year..

TransUnion continuously report ( s ) names I have NEVER used..

TransUnion continuously allows finacial companies ( banks, credit-card etc ) to access my information although I have NOT authorized..

The FTC spells out financial companies must have authorization for credit inquiries..

I have filed a fraud report with the FTC ( identitytheft.gov ) ..

I have placed a fraud alert on my account..

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 2020-06-09
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a company business checking account with TD Bank in early XXXX. My office manager at the time also had a signature on the account. In XXXX, I turned over day to day operations to two others, though maintained my financial interests in the company, of course. 

Sometime later, unbeknown to me, my signature was removed from the account. The company suffered great losses as a result of flooding resulting from Hurricane Matthew in XXXX and ultimately failed following flooding resulting from Hurricane Florence in XXXX. All paper and computer records were essentially lost although I do have bank statements. 

In my ensuing attempts to obtain detailed transaction information, especially check payees, in order to complete financial reporting per my fiduciary duty and regulatory requirements, I have been denied by the bank repeatedly in spite of presenting copious evidence of my obvious entitlement to the information. 

TD Bank states their banking policy requires that account information may only be provided to people with signatures on the account. They have no policy to protect an account holder from having their signature removed from the account without their knowledge or approval. I have provided copious documentation illustrating my ongoing interest in the company. 

Furthermore, they have been increasingly unresponsive to my inquiries leaving me no other options short of expensive litigation to obtain information I am entitled to. I have been dealing with this for well over a year now, and the delay in filings because of this is no doubt going to result in significant penalties and interest when this is finally resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender was provided a loan modification package on XX/XX/XXXX- was advised on XX/XX/XXXX that they received the package on XXXX and XXXX SPOC XXXX was reviewing the file - then on XX/XX/XXXX we were rudely hung up on when the rep XXXX advised that they did not have our 3rd party auth - called back and spoke to XXXX and he was able to locate the authorization, but then advised a new package was needed due to a delay in documents - which we were never advised were needed. The lender has missed deadlines due to the lack of review on this file and now the client is facing a sale date of XXXX/XXXX/XXXX because the lender did not review the file in a timely manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.

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