BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: National Credit Systems,Inc.
State: CO
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:
XXXX was a place i rented an apartment, this apartment became VERY unsafe for myself and my daughter. We were threatened on numerous occasions, XXXX. I had to leave this apartment prior to lease, i wrote letters to the leasing office and spoke w/ them personally. they said i could leave and no monies would be owed then a collection company reported a {$6000.00} balance on my credit. this is not a true collection! i left for safety issues owing brookstone {$0.00}. NATIONAL CREDIT SYSTEMSXXXX XXXX XXXX, XXXX ( 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 2017-01-30
Company: TRANSWORLD SYSTEMS INC
State: NJ
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:
Health Care Debt, but the collection agency can not give details of the money owed. Transworld System Inc.TSI send me a notice of collection for XXXX XXXX XXXX but can only tell me an amount owed ( {$50.00} ). I do not fee I should just blindly pay a bill for unknown services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2016-05-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Called National Credit System and spoke with a XXXX XXXX regarding a letter needed stating I owe an debt. I explained never received and verified my address. XXXX XXXX advised could not send another letter regarding the debt they only allowed to send one letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
very very hard time to cominicate with Law Firm Collectors, I` ll pay off my colletions but wan na find out after that what is next step and who is going and how my credit report. Calling them numerous time and they hang up on me every time. Need help!!! Please!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was in the hospital overnight for a accident. We have received many bills and have setup payment methods through the hospital for bills and making all payments as agreed upon. The date of service for the hospital was XXXX XXXX, XXXX. 

We just relieved a collection notice on XXXX/XXXX/XXXX that we have n't paid a bill. The company is Transworld System Inc., XXXX XXXX XXXX, XXXX PA XXXX. We called the company and spoke to a XXXX and he could not tell us anything other the amount we owe, The hospital name and the date of service. He could n't tell us anything else. XXXX also hung up on us that 's how the conversation ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: PA
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 XXXXt Account # XXXX Account # 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 1681Section 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 2015-10-14
Company: Penn Credit Corporation
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Penn Credit Corporation keeps calling home phone number for someone named XXXX XXXX. They 've called numerous times and when I told them I do not know that person, they still continue to call. I 've asked this number be removed and a little over an hour later, they called back and when I again told them I do not know that person, and to remove my number, they hung up on me. They need to research their contact information and quit calling wrong numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Cash advance

Complaint:
I purchased a gift card to XXXX XXXX XXXX through XXXX and the purchase came up as a cash advance with my card issuer, Citi. I called Citi to let them know what the purchase was for and how the purchase of a gift card to a specific merchant does not qualify as a cash advance under not only their listing of what a cash advance is, but also any general definition i could find online. They continued to read a script throughout the discussion and never took into account the fact that maybe they rang up the transaction incorrectly. Since this was a purchase made via XXXX, i had a representative from XXXX on the line who informed me the transaction was listed on their end as a goods and services transaction. Because of the mixup on Citi 's end, i was charged {$12.00} in fees and missed out on {$4.00} in rewards, given the 2 % rewards on my card.

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 2015-04-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I deposited a check using their American Express Serve mobile app on XXXX XXXX, 2015 and it said that the check will clear in XXXX business days. When I logged into my account on the XXXX business day the money was not available, I called American Express Serve to let them know the money was not available and the transferred me to a XXXX party company called XXXX. XXXX told me that the check was approved and it was up to American Express Serve to make the funds available. I called back American Express Serve to tell them what XXXX said to me and I got the run around, rude and sarcastic answers from the rep. I do n't understand why my money is not available to me since the check was cleared. I am counting on that money to put gas in my car to go to work and buy groceries now I am without money today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 've repeatedly asked them not to call my business XXXX and yet continuously get 1-3 calls a day. I 've called and requested to receive information on account to my new address and they refuse as told this is not the address the account was set-up. I also continue to tell them I do n't give information on the phone due to possible fraud activity and they refuse. I 've received threats coming to my work to serve papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
This matter deals with Capital One 's practices concerning automatic payment enrollment for their credit cards, which I believe violates the federal Equal Credit Opportunity Act and its accompanying regulation B, general fair lending principles, the Consumer Financial Protection Act 's prohibition on unfair, deceptive and abusive practices, FTC Section 5, the Fair Credit Reporting Act, and the Illinois Consumer Fraud Protection Act. 

As you can see from the class action I am prepared to file, attached to this letter, Capital One has told me a number of times that it restricts its enrollment in automatic payments to online only. Because of this restrictive practice, Cardholders who do not have internet access, or who can not or do not want to register for online activity, are deprived of the ability to make automatic payments. Cardholders who do not sign up for automatic payments are more likely to forget to make a payment, thereby incurring late fees and additional interest charges. Capital One in fact charges late fees when Cardholders do not make timely payments, and reports those late fees as part of the Cardholder 's balance to the major credit reporting agencies. I myself have incurred late fees and additional interest charges several times due to the fact that Capital One will not allow me to enroll in automatic payments via telephone. 

Capital One reports Cardholder balances to the XXXX major credit reporting agencies, inclusive of the late fees and additional interest charges incurred because they are unable to enroll in automatic payments. Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are disadvantaged by Capital One 's practice of limiting enrollment in automatic payments to online only, or alternatively, are disadvantaged by Capital One 's practice of misleading Cardholders into thinking that they can not enroll in automatic payments via telephone. 

As you know, Cardholders who do not have internet access, or have limited access, or who prefer not to engage in online activity are more likely to be elderly, lower income, minorities or active military. I believe Capital One 's practice of restricting automatic payments to online access only has a discriminatory effect on members of protected classes under the Equal Credit Opportunity Act. 

To the extent Capital One does allow telephone enrollment in automatic payments, its practice of telling Cardholders that enrollment is limited to internet only is false, misleading, and designed to force Cardholders to incur late fees and additional interest charges, in violation of the Consumer Financial Protection Act and Section 5.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/XXXX 2015 I made an online purchase using my American Express Serve Card. On XX/XX/XXXX,2015 I contacted the merchant explaining I did not receive all of the items and the items I did receive where melted. The merchant stated they would send my return labels to return the merchandise. I never heard from the merchant or received the return labels. I then contact American Express Serve to dispute the charges on my card. I emailed documents and a statement explaining what happened. I called to check the status and was told I would have to wait until XX/XX/XXXX 2015 to receive a provisional credit. I asked to speak to someone and they placed me on hold for over an hour to talk to a supervisor. Once the supervisor got on the phone she told me it was nothing she could do and I would have to wait until I get an email from the dispute department. I asked if I could speak with the dispute department and she stated no, they only communicate internally by email. I informed the supervisor this was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company contacted me about debt which I disputed and requested validation on XX/XX/2015. The company never provided the validation of the debt. Instead they sent the case to an attorney 2 months later. I informed the attorney that the company was in violation because it was after 30 days and they did not provide any validation information and collection efforts should be ceased. No other contact was made, now they have filed a lawsuit of an account that was not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
Went to buy my son a car for his XXXX Birthday and they told me I had a XXXX score when I knew I had a XXXX score. 
Beknownst to me American Express had reported an account that was not one of my personal American Express accounts ( see attached ). 
Therefore I immediately contacted the credit bureaus and disputed this bogus XXXX delinquent/ in collection/ charged off, reported account. Then American Express responded to the credit bureaus dispute ... that not only that this XXXX account was accurately being reported but added another derogatory XXXX delinquent/ in collection/ charged off, reported account. XXXX, I 've had personal accounts with American Express since XXXX and NEVER been late with them let alone not paid them. Therefore please look at these XXXX accounts and how they are being reported. The obvious issues are as follows : # 1 = opening dates XXXX XXXX and XXXX XXXX, Lastly : # 2 = First reported dates XXXX XXXX and XXXX XXXX. So, for 10 and 8 years I 've never known or been reported to having these XXXX accounts, hmmmm????, enough said. PLEASE HELP! 
*This last week ... NEVER hearing from American Express about these XXXX bogus debts beside their reporting to my credit I received the " attached '' collection notice regarding that first XXXX derogatory account and again, " I 've never heard from American Express '' about these XXXX bogus accounts. I 'm truly perplexed especially because I have so much personal positive history with my legit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
My issue is three : ( 1 ) I do not believe the charges are legitimate. I have receipts indicating payments for service. ( 2 ) The bill that is claimed by the service provider is for service dating back to XXXX 2014. I paid in full. Also, there were no subsequent notifications that they believed I had an outstanding balance. ( 3 ) The collections agency sent me a letter stating their position with a contact phone number. When I call the phone number, it indicates, " for the states of Texas press XXXX ''. When I press XXXX ', the automated voice service says for the state of Texas they are not accepting calls or service is not available. It then provides me a second number to call. When I call this number, the automated voice message indicates that service is not available at this time for the State of Texas and for me to call later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In the letter dated XXXX XXXX, XXXX, American Express has informed me about the closure of the American Express Delta SkyPoints credit card effective XXXX XXXX, XXXX. This credit account was opened on XXXX XXXX, XXXX. 
This action, initiated by American Express, will negatively affect my credit score because of the two reasons : ( 1 ) closure of the existing account, and ( 2 ) decrease of the total amount of available credit. 
After speaking with American Express on XXXX XXXX, XXXX, I requested to transfer this account to a different credit card product to avoid the anticipated negative effect on my credit report. American Express declined and offered no solution. A formal complaint with American Express was filed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
I use to have an American Express Card and then I was a victim of ID Theft and the card was removed. I have called to ask for a card to help my credit score. It has been very hard for me with my credit and my files have been on fraud alert since XXXX with IRS . I received a copy of my XXXX report to find out I have over XXXX inquiries from American Express.I called them and they said they do not have my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
hello i just received a wage garnishment from asset recovery, but I was not notified prior to being sued, I did not know i had a wage garnishment until i checked my pay stubs then once I received the notice from payroll this is from 2010 i was never served also no settlement letters was sent out, I just finished paying off student loans voluntary so i would have a problem paying them, I tried to reach them several times just to get transferred to many different numbers and then to a voicemail that apparently does not return phone calls this is ridiculous to say the least they cant help when i call but can take money out my checks every week. how can they garnish my wages after no prior notice. A attorney suggest bankruptcy but i think that was just for the money this is becoming very frustrating they are taking more money then the government out of my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Got a demand notice from Midland Credit Management. They have sent a notice that we owe {$170.00} from XXXX XXXX XXXX XXXX. This is not any kind of dept that we owe nor have we ever done any kind of business with XXXX XXXX XXXX XXXX. Looking online it is well known that MCM does this kind of scam. Federal government should take action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On Sunday XXXX XXXX, 2015 @ XXXX I went to an ATM Machine at an XXXX XXXX bank in XXXX, Georgia XXXX to withdraw {$500.00}. The ATM did not dispense the cash! However the funds were taken off my card. I have been trying to get the funds back for a week now, but to no avail. I have tried with the bank and with American Express Serve prepaid card company! They keep telling me that there needs to be an investigation! A woman from the XXXX XXXX bank 's Risk Management department in California by the name of XXXX XXXX called American Express Serve Company and told them about the ATM machine not working and they still will not give me my money! This is very disgusting to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
With this collection agency they harrassed me and told me that I needed to make a payment. They did not provide me with a written verification of the debt to prove that I needed to pay. They furthermore, did not try to retract the debt from the proper persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased an item on " XXXX '' and paid using my " XXXX '' account under creditcard- ( citi mc ). 
a month later after reviewing my creditcard statement it showed a cash advance Fee charge + intrest now accruing every month. I called and they said the transaction went through as a cash advance. Citibank mc refused to reverse the charge saying XXXX needed to do it. XXXX refused to do it saying it could not be a cash advance because they dont allow it. I had both reps on a XXXX call, and they both argued with each other saying there was a mistake but neither could do anything about the charges, with me caught in the middle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief