BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Law offices of Steven Cohen LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I contacted XXXX XXXX XXXX  on XX/XX/XXXX in regards to a notification on my credit report. They informed me of my balance of XXXX that was sold to XXXX XXXX XXXX. They gave me a telephone number 0f XXXX with and address of XXXX XXXX XXXX XXXX South Carolina XXXX. I called the number and the number was actually to XXXX XXXX XXXX a company that manages accounts for XXXX XXXX XXXX. XXXX  referred me to XXXX gave us reference number XXXX and a telephone number of XXXX. I called the number and left a message no live agent available. I referred to a letter I received the Law offices of Steven Cohen LLC address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX telephone number XXXX. I was placed with a manager named XXXX my husband asked him questions about the letter received and why the balance was over XXXX currently when the debt purchased price was XXXX. He said because there was a judgment placed in XXXX County by XXXX XXXX  XXXX and gave me an index number XXXX after looking into it there was no such index number or judgment. The Law Offices of Steven Cohen said it was placed in XXXX. I contacted XXXX XXXX XXXX at XXXX they would not release any information about any judgments and informed us XXXX XXXX XXXX recalled the account. After doing another search for a judgement I contacted XXXX County Sherriff the deputy informed me that they had just today received a judgment from the Law Offices of Steven Cohen and I would received paper work for it within 2 days. The same company that had told me I had a judgement from XXXX for the same exact matter. When I had first contacted the Law Offices of Steven Cohen XXXX XXXX answered the phone with music blasting I gave her my name she pulled up my account. I feel that the amount they are trying to collect is illegal and unfounded and their methods of intimidation to collect the amount of money are blatant violations of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Huntington Banks has incorrect information that they use to verify my identity. They will not fix the issue and deny me access to my account. They have my address, SS number, DOB, email and many other verification information but that is n't good enough for them. I have had an account with them for XXXX years yet they want to use information that was n't collected when I opened my account, such as my cell phone number. I want them to fix the issue without me spending hours of my time or missing work. It is their error and their poor system design and not my fault. This delay could cause me to make a mistake in payments and therefore profit Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Southwest Credit Systems, L.P.
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:
Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: RSI Enterprises, Inc.
State: AZ
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:
Early XXXX XXXX Contacted original creditor, XXXX XXXX XXXX , and asked for account to be moved back in their possession, they agreed, and a payment plan was set up. Agent with original creditor assured that RSI enterprises would no longer have my account, that they would notify RSI enterprises, and that the system of RSI Enterprises would be would be updated within 2 weeks. 

XXXX : RSI enterprises continues to falsely report that my account is still in their possession as a derogatory collections account. XXXX  has removed this from my account and Transunion is unable to dispute. XXXX  is pending. 

Under the FCRA, this is false information and is illegal for them to continue reporting as if my account is still in their possession. 

I WILL NOT attempt to contact RSI enterprises directly out of fear of humiliation, harassment, and retaliation which was experienced by contacting this company before. I have a history of harassment, humiliation, and retaliation with RSI enterprises from an account in the past. To keep from further mental anguish from this company I REFUSE to contact them directly. 

It is my right to have my credit reported accurately and efficiently. Both of which, RSI enterprises is failing to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from Midland Funding LLC. I have never received any notification from Midland Funding LLC, notifying me of a debt. Nor did I ever receive any written notification from Midland Funding LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. I don't owe any money to Midland Funding LLC, nor do I owe money to any third party Midland Funding LLC claims to represent. Midland Funding LLC has damaged my credit and violated FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wallet was stolen on XX/XX/2016. It contained XXXX credit cards and a debit card along with my driver 's license. XXXX credit card XXXX Huntington Bank XXXX XXXX was used to make a fraudulent purchase, which alerted me ( via text XXXX to the theft. I contacted the Huntington Bank customer service and reported the card stolen. New cards were issued to me. On XX/XX/2016, I met with a banker at a branch office. I was told a comment was entered to ensure account security. I was not contacted by the Huntington Bank fraud personnel after my initial notification to them. I reported the driver 's license and second credit card stolen the the appropriate issuers and received updated documents/cards. I filed a police report and reviewed surveillance footage at the store where the card was used. I identified the person using the card as the person sitting next to me at a restaurant. 
About XXXX weeks later, I received a letter in the mail requesting my notarized signature disputing the fraudulent purchase. I signed the statement and mailed it to the address provided. Funds were returned to my credit account. 
Around noon on XX/XX/XXXX, I received a text alert that my Huntington Bank checking account balance was below the set limit. I logged into my accounts and noted that someone had withdrawn nearly all the funds from my checking and savings accounts. I went to my local bank branch within XXXX minutes of the transaction post and learned that someone had entered a bank branch inside a XXXX store in XXXX, MI XXXX out-of-state ) and filled out a withdrawal slip to deplete my funds. According to the assistant XXXX, the banker who conducted the transaction looked at the driver 's license and thought the person looked " enough like '' me to consider it a valid identification. The banker also stated that the person knew the balances in my accounts. The signature on the withdrawal slip does not resemble my signature on file for my bank accounts. The XXXX store had not been contacted to secure surveillance footage XXXX the branch is inside the store ) and the XXXX Police Department had not be contacted of the theft. I went to the branch again the following day to let them know that the funds had not been returned to my account. After repeated attempts by them to speak to an XXXX, the funds were returned to my account before noon. No XXXX has contacted to verify how the bank intends to rectify the compromise to my accounts and information. I am still not aware how the person knew my account balances or why the banker did not protect my funds and my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: CA
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 disputed a bankruptcy on my credit report with Experian because it has been over XXXXyrs. They Emailed me stating the investigation was complete and the bankruptcy was to remain on my file. I filed a dispute with XXXX XXXX and XXXX  on the same day and within a few short days both had removed the bankruptcy. I tried calling Experian today, was put on hold for 20min, then the line turned to static. I submitted my dispute with Experian on XX/XX/XXXX. The report # is : XXXX, a reference # is: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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After looking over and reviewing a copy of my credit report i noticed that the credit bureau is still reporting an address on my credit report. reporting inaccurate information. i want my credit report only reporting accurate updated information. i have sent letter after letter and they are still reporting. Also they are reporting a child support in which they say that child support is reporting but when i contacted them i was told that the credit bureau is reporting it.

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 2016-11-10
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A collection agency named SW Cred Sys just started reporting a collection account on my credit report for {$130.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: LoanCare, LLC
State: PA
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:
All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. Loancare mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting Loancare they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.

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 2020-09-10
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent a letter to this company on XX/XX/2020 disputing unknown and incorrect items listed on my credit report. As of today, XX/XX/2020, I still have not received any response and I feel that they are taking advantage of me and not adhering to the law. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted right away. I am requesting help from the CFPB with this company in order to have these unknown accounts deleted immediately. If the company does not comply even with help from the CFPB, I will file for litigation regarding the stress and pain this situation has caused me. I also informed these companies that my information was impacted by the recent XXXX  data breach and I suspect this contributed to inaccurate items on 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 2017-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The amount of XXXX was made on X/XX/2017 by me to the XXXX  accounnt of XXXXXXXXXXXX for a XXXX purse that she claimed she was selling. This account is her husband 's XXXX account. She told me to send money under friend and family because she did n't want to pay the fees. The order got canceled, I did not received what I paid for nor refunded even though I had asked for signature for confirmation. I have tons of proofs that this person was a scammer. I contacted XXXX, there was nothing they can do. I contacted Bank of America, they said there was nothing they could do because the way the payment was processed through my routing number and my checking number. I think it is not right how I got scammed for my money and theres literally nothing anyone can help me. BOA said if i used my debit card, it would have been a different story but how do I put my debit card info in XXXX. My card is linked with my account and thats how I believed it should be the same thing was used in XXXX. Please 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 explanation
Consumer complaint received 2020-04-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/20 I filled out an online credit application with the car dealer, after they reviewed my credit I decided not to continue. On XX/XX/20 they contacted me again to see if I may still be interested in a car, in the conversations via text messages there was no authorization to run my credit or that I wanted to continue with a credit application. They ran my credit without my knowledge of it being done, and this time it was 6 total Inquiries that included other credit companies. I contact the dealer and I have not received a call back from management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 call transunion many times. Sent letters try to dispute the information I ask them to send Mov. Everything plan the 15 days and 30 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 2016-12-20
Company: Collections Acquisition Company, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I sent this company a letter, police report advising them I did n't owe them any money, they refused to accept the letter and told me if I didnt pay the bill, that i was going to be arrested for a bad check. I asked them remove this from my credit that I disputed the bill, and requested for management they refused again and hung up the phone on me. Spoke with a male collector who refuse to give me his name. I have never received any letter from this company of their initial 30 day dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Amsher Collection Services, Inc.
State: FL
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:
I used XXXX as my cell provider for about one year, then I decided to change the provider. I called them to disconnect the 4 lines that I had with them, and went to XXXX and open new service, by the way XXXX is company associate of XXXX, Two months later XXXX is still billing me for their operator who did not put my request on the system. A cellular phone could only be active in only when provider. They want to charge me for service they know they did not provided. 
I do not know this amount. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account was in to law the XXXX ( XXXX ). The XXXX further clarified and XXXX the XXXX and XXXX ( XXXX ) which benefits XXXX members and was signed into law in XX/XX/XXXX. Was on XX/XX/XXXX and they suppose be delete from my record. This account was paid and closed in good terms. They sold the account to collection and they want charge me the amount againt. They are wrong on the closed date and amount is {$0.00}. It is fraudulent or identity deft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I have disputed two transactions totaling {$120.00} ( {$81.00} and {$46.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as  follows : Effect of noncompliance with requirements by creditor - " Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor ''. 

Please contact the creditor ( Bank of America ) requesting a full credit of {$120.00} to comply with with the Fair Credit Billing Act as required by the 15 U.S. Code 1666 ( e ).

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