BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection Account Which I disputed since XX/XX/2020 and it does not belong to me as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX, I did a balance transfer of {$15000.00} online using my credit card on Citibank website for a {$450.00} fee. However, on XX/XX/XXXX, the full balance plus interest was paid off automatically instead of just the minimum due being paid. The amount was paid off from another bank account. Even though the amount was bounced due to insufficient fund, Citibank tried multiple times to withdraw the fund in the next few days and overdraft fees were charged multiple times. I realized about the error and called Citibank on around XXXX XXXX and they promised to provide me an adjustment within a few days. I did n't hear anything and called back on XX/XX/XXXX, the representative promised to refund the money within 10 days and sent me an email for record. I did n't receive the refund after 10 days and called back on XX/XX/XXXX and on spoke with Customer ID XX/XX/XXXX, she says that I 'll get a refund in XXXX business days. After not hearing anything a few days, I called again sometime in XX/XX/XXXX and got the same response. I called again on XX/XX/XXXX asking to be transferred to a supervisor and the supervisor mentioned that the money will be in my account by XX/XX/XXXX. Currently I still have not received the refund and it has been 2 months. I would like to make a complaint and hope to get this issue resolved. Thank you.

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 monetary relief
Consumer complaint received 2017-03-31
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I just received a letter from Linebarger, Googan, Blair and Sampson LLC. I have tried numerous to do payment arrangements with the State of Illinois, I just went back to work in XX/XX/XXXX after being out of work for 5 months, then I tried to get through to the law firm but I am waiting on hold for several minutes, then automated system asked me to out to put in the reference number but I never get to speak to anyone. I should not be charged any collection fees, the State of Illinois also informed me in writing they would take my taxes which I am okay with but State of Illinois should be more willing to work with people. I was out of work and unemployment did not cover all of my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Been contacting creditors, bureaus, third parties after 45 days I still have not seen or got a written response. A computer generated response is unacceptable. Remove this bull off my credit file you keep going against the law. Its clear! You guys are not following your written statements so In this matter before things get worse and legal remove these inaccuracies now! I dont even understand how could this happen I didnt give anyone any consent to access my file man 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 2016-04-26
Company: Rossman & Co & PCB
State: OH
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:
Physicians Credit Bureau # XXXX I have XXXX unverified accounts from Physicians Credit Bureau. I had previously disputed this account. I have never done business with Physicians Credit BureauPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Physicians Credit Bureau and I believe it is a HIPPA Act violation. I request that Physicians Credit Bureau Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Physicians Credit Bureau Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumbersXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: NAM National Arbitration and Mediation
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was contacted by ADR XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called XXXX XXXX XXXX. 

XXXX XXXX XXXX has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

ADR XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as XXXX XXXX sold to Midland Funding another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Results Unlimited, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Good morning. On Saturday, XXXX XXXX, XXXX I attempted to withdraw money from my bank account at XXXX XXXX bank via ATM. The ATM screen notified me that I would not be able to complete the transaction and needed to call XXXX, when I did that I was informed that there was a lien against my account and I would need to call back on Monday, XXXX XXXX, XXXX to speak with someone from the legal department. 
I called this morning, XXXX XXXX, XXXX, at XXXX and the representative transferred me to Results Unlimited, Inc , a collection agency in XXXX , VA. I spoke with that representative and was told I owed {$3500.00} for monies owed for an apartment I never heard of, however, my name and social were used. I asked for any information on this to be faxed to me and I was told that I would have to call XXXX XXXX XXXX ( I was also never given a name for the representative at the collection agency ). 
I called XXXX XXXX XXXX and was told that the judgement was passed in XXXX. I asked how I would have been summoned and was told the Sheriff would have served me with the notice to appear. I lived aboard the XXXX XXXX XXXX XXXX at this time, however, and never received a summons. 
I then called the XXXX XXXX 's office and was told that if a member of the military is summonsed, the court would contact the command 's legal department and they would arrange for the XXXX to meet the Sheriff at the XXXX police station. That never happened, either. 
My bank account is still frozen, and I was told that it would remain frozen until the {$3500.00} is paid. I get direct deposit from my employment, as well as VA XXXX. Is this legal? What options do I have? This " judgement '' is not even appearing on my credit report. This will render me homeless!!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( XXXX ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Trans union states this was verified, really by who? The court told me they do not verify or validate this. So they are telln a fib. Therefore now I ask Trans-union to cease n desist their in-accurate reporting of this information. They know full well courts do not validate nor verify this information.

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 2017-02-14
Company: Peterson Enterprises, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I had a medical from the billing company, XXXX, for an XXXX in XX/XX/XXXX. I had other services since and paid the bills. I was sent a letter from Valley Empire Collections of XXXX on XX/XX/XXXX, that I owed this amount which I thought I had paid directly to XXXX, so I did n't pay the bill. I never received another letter or correspondence from Valley Empire, that was verified by XXXX at the office on XX/XX/XXXX. I just realized I have a derogatory note on my credit which started my questioning what bill it was referencing. She stated they have called but it is their practice not to leave a message. I explained that if you do n't leave a message, how am I suppose to know to call and pay it. So when I received nothing further after the first letter, why would I pay something I do n't know is still outstanding. I even suggested a second notice notice to let people know they have been unable to reach me, but they do n't do that either. So my complaint is really that I was n't given notice this bill was still pending and the company did not notify me of that so I could pay it and clarify why I still owed it in the first place. I know some people would n't pay their bills regardless of notice but as I explained to them, the people that would, like me, who has no late payments on any thing for years, thought it was paid, just needed contact, a second letter, message regarding the bill, that in a year it would seem like a smarter way to do business. It was paid today, once I clarified what had happened, and gladly paid what I owed but would like it investigated because it now has hurt my credit score, which will cost me more money for possible 7years, just because I was n't notified that it was still outstanding. I explained you can leave a message if you know it was the correct household, which she verified they knew the phone was correct, because my answering machine says my last name. I just feel this was unfair and something I could have clarified if I knew. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Other fee

Complaint:
I was charged interest on XXXX/XXXX/2016, but my balance was paid off on XXXX/XXXX/2016. This credit card was available for use on XXXX/XXXX/2016. The elapsed time was 21 days since the credit card was available to use to pay was 21 days. According to back of the statement, in order to avoid an interest charge, payment is to be made 23 days. A email was sent to Citi Bank stating the interest should not be charged however, Citi only said the charge was made according to the back of the statement.

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 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am a victim of identity theft. I contacted the Federal Trade Commission andIi learned that the best way to recover is to file an identity theft affidavit and a police report. I did this well ovr 60 days ago. Transunion slowed around for over 60 days in violation of the FCRA laws. They did not remove the bankruptcies and they stated that they verified them. When in fact, I have documentation from the bankruptcy court stating that they did not verify this information. I sent the letters to Transunion and they lied like they never received the documents. When after a long time I finally got a supervisor on the phone, they admitted they had the documents. I filed a complaint with the consumer proctection bureau after a 70 day wait and they asked for 60 MORE days. Please help as they are clearly flagrantly violating the FCRA laws. Please help me to get this matter resolved. 
I

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 2017-04-05
Company: National Credit Systems,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 is not mine

Complaint:
This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I mailed a letter to Transunion explaining that upon reviewing my credit report, there was a bankruptcy reporting to my credit report. I had not filed bankruptcy and this was reporting negatively on my credit report and causing me to get turned down for a car loan. I received a response from TransUnion informing me that they verified this information when in fact they had not.

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 2022-10-15
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
i, XXXX XXXX have never applied for credit application or any inquiry with JPMCB. JPMCB is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, consumer report on date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
It appears that Midland Funding ( original lender ) has either sold the debt I incurred with them or has a collecting agency working for them. The debt is at least XXXX years old. I am currently in Chapter XXXX bankruptcy. XXXX XXXX ( asserting to have a corporate office in XXXX ) calls and their number comes up on my caller ID here at work as a local number ( XXXX ) XXXX yet there return call is ( XXXX ) XXXX, ext. XXXX, XXXX XXXX and the voice mails are they are going to serve me either at work or at home, once I answered the call and they wanted to speak to my supervisor. On another occasion, my attorney and I both called them to inform them of the pending bankruptcy and which they replied that pay day loans are not eligible to be listed in bankruptcies ... I 've faxed them a copy of my bankruptcy petition yet they continue to call and leave threatening voice mails. We 've asked them to provide us a mailing address and they have refused. Please contact them to verify the debt and advise them of the pending bankruptcy and they are violating the automatic stay afforded to me by the United States Bankruptcy Code. You can verify my case on the XXXX XXXX XXXX XXXX, XXXX Division, website, Case No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Jomax, LLC
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 is not mine

Complaint:
It was in XX/XX/XXXX XXXX recovery put me in collection for an account business LLC his name isXXXX XXXX started on XX/XX/XXXX and closed out onXX/XX/XXXX. 
Jomax recovery keep going down my reporting in collection

Company response to consumer: Untimely response
Consumer complaint received 2016-05-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft related to my employer, XXXX, experiencing a cyber attack in XXXX 2015 and my personnel information was stolen. As a result, in XXXX 2015 persons unknown used my credit information to obtain a Bloomingdales credit card and subsequently charged {$9000.00}. Despite my sending Bloomingdales a police report, a copy of my complaint filed with the Federal Trade Commission, and a letter from the Office of Personnel Management of the Federal Government acknowledging my personnel file was XXXX that was hacked, and enrollment XXXX who is currently attempting to resolve this matter, they have sent me bills, collection letters and recently a brand new credit card stating " per your request. '' This has been going on since XXXX 2015 and is extremely stressful to me. In addition, they have reported to the credit bureaus I am 90 days delinquent and my credit rating gone down.

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 monetary relief
Consumer complaint received 2016-04-11
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told Midland Credit that the number they are calling is a cell phone please stop calling me its using my data. They are calling from different numbers i have to continue blocking each number. They also say it in a mubbled voice thay the call may be monitored and i couldnt understand anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have some medical bills that was sent to collection due to non-payment as my employment ended/changed. I needed time to get back my feet. The last month I had paid what I owed based on what was showing on my credit history. I paid the balance off and last Friday I received another notification about another medical bill. I was trying to obtain some information and the lady that I was speaking with was very rude and unprofessional. She was very combative and would not allow me to speak. I was getting frustrated because of the way I was treated. I ended the call as I was not being treated with respect.

Company response to consumer: Closed with explanation