BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I attempted to use a balance transfer from HSBC using my Master credit card ending in XXXXI had a XXXX balance and transferred {$5000.00}. As I was hitting the prompts the process informed me that is was completed. There was NO disclosure of interest or length of time for the balance transfer. I immediately call HSBC and cancelled the transfer. The Customer service rep. cancelled it telling me it woulkd take two weeks but THE AMOUNT OF THE TRANSFER WOULD NOT APPEAR IN MY ACCOUNT AS A DEBT.. This morning that account shows a debt of {$5200.00}.

I called and spoke to several customer service reps. Conclusion : I must carry that debt on my credit for two weeks. If they can charge my acciount within 24 hours why does it take two weeks to reverse it? I am very angry with them for having an online process without any disclosures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX cell. 
XXXX Land

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI is sending me letters about some money that I suppose to own, they say a happen last year I never get and a car accident, this is not in my credit and is not my name, is spelled wrong and isn't complete so this looks like a scam! 
And the say they going to report the DNV and I will lose my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection agency Convergent Outsourcing is reporting to my credit report a collection ( XXXX ) that charged off more than 7 years ago, past the statute of limitations for credit reporting.

I have informed Convergent Outsourcing that this collection is older than 7 years and that they must delete it but they have refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/XXXX the dismissal was filed with the court. 
Since then, the three credit bureaus ( XXXX, Equi-fax, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This CFPB complaint is a formal notice that the Credit Bureaus have failed to respond in a timely manner to my dispute letter. I previously sent a letter addressed to the Credit Bureaus requesting that they correct the information being reported to my Credit File. And on XX/XX/2022 I sent another letter wondering why did the Credit Bureaus haven't yet responded to the prior letter I sent. The Credit Bureaus informed me to contact the creditors and I have done so. According to FDCPA 809b the Credit Bureaus are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete them now : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} 2. XXXX/DOFED XXXX Balance Owed : {$1300.00} 3. XXXX/DOFED XXXX Balance Owed : {$4000.00} 4. XXXX/DOFED XXXX Balance Owed : {$8600.00} 5. XXXX XXXX XXXX Balance Owed : {$0.00} 6. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX XXXX XXXX Balance Owed : {$0.00} 9. XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have specifically asked XXXX, XXXX, and transunion to delete all information that is not correct. I have requested that they only have my legal name ( XXXX XXXX ) my legal address ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) and my legal date of birth ( XX/XX/1981 ) There seems to be multiple different names, and different addresses on my credit report. They have not removed them, and it is not legal to have the incorrect information. 

Thank you for taking care of this. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-27
Company: Consumer Adjustment Company Incorporated
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 status incorrect

Complaint:
I have sent several dispute letters to Consumer Adjustment and I also sent a certified letter which I have attached the proof they got it and signed for it. I have no knowledge of this account, company, and never had any contract with this company. I also have attached the 1692G Letter based on the FDPCA. They have violated the law by reporting this unverifiable and incorrect information on my XXXX  credit report. This account needs to be deleted immediately for law violations of the FDPCA. I've tried to resolve this with the company, but clearly, compliance and accuracy are not important to them. Delete this information from my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I called Reliacard to file a dispute. Everything went smoothly at this point. I received my new card the same day I received the forms to file my dispute XX/XX/2020. I called in to activate my card and was instead told that they had no record of sending a new card and that my account was closed with a note stating not to reopen it and had no answer as to how I would receive the money that I still had in my account. When I asked as to why their response was they had no idea that all it says is to not reopen the account. Later that day I filled out the dispute forms and faxed them in with the additional information they needed. On Monday, XXXX XXXX I received a letter dated the XXXX stating they had made a final decision regarding my dispute. On the XXXX I had not received any forms so was unsure as to how they came to the decision already. I called in and was told that it would be 3-5 business days before the right department would receive my complaint to continue the investigation on my dispute with still no answer as to why I couldn't receive the funds in my account nor when I would be able to. My lease is up on XX/XX/2020, and with my landlord refusing to resign my lease, I'm having to move, and having Reliacard withhold my funds has made this an impossible task which is causing problems between my landlord and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Bread Financial Holdings, Inc.
State: OH
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:
This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with XXXX had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mr Cooper started an escrow account for our homeowners insurance without our asking. They wanted to hold up our refinance because they say we owe them money they paid on our homeowners insurance. We paid our mortgage & homeowners insurance on time for our entire mortgage, but out of nowhere they decided to add an escrow account which we never asked for. I spent over 2hrs on the phone with Mr Cooper on XXXX, from XXXX to past XXXX. I spoke with XXXX, XXXX, & XXXX XXXX ( XXXX ) among others, & got our title company on the phone to talk to them. I talked to XXXX, who said they received payment from my wife for our insurance, but had not received payment from Mr Cooper ; they could not reimburse us or make us whole for money they had not received. My conversation with Mr Cooper ended after 2hrs 55mins while waiting for a supervisor from the dept which paid the insurance without asking. Mr Cooper was never able to tell me the Name of who decided to pay the insurance without our asking ; there seemed to be no real accountability for this decision made inside their company. 
at the end of the call, we had to pay them 1,465.88 $ for the insurance and some interest they added to the account ; XXXX XXXX XXXX acknowledged that I was being charged on the basis of a mistake which Mr Cooper made by paying the insurance, not through any mistake of my own. If we hadn't paid, they would have held up the Refi, & we wouldn't have got the rate we had set up. I am now waiting for a supervisor from Mr Cooper to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
its been more than 30 days since I asked Experian to show me proof that the fraudulent account was mine, I asked for real original signature of mine that I signed to agree that debt was mine and I also asked to validate the debt. And all they send back to me is just my credit report and statements of the accounts. They were never able to prove to me that XXXX XXXX/XXXX XXXX account belongs to me.

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 2021-10-05
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the UNKNOWN INQUIRY listed below is still reporting on my credit report. In violation of Federal Law, EQUIFAX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting this unknown inquiry. Hereof, given all my attempts to address this concern with the bureau, as willful negligence and non-compliance with federal statutes. 
XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express- there is a discrepancy with when payments, credits that come through resulting in an interest charge. In additional, the interest charged vs the remaining amount was exorbitant compared to what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CREDIT WORLD SERVICES, INC.
State: MO
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:
After pulling a copy of my credit report I noticed this company reporting inaccurate unproven information on my credit report in which I have requested for a compliance check with the credit bureaus in which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: JPMORGAN CHASE & CO.
State: CA
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 HAVE AN INQUIRY ON MY CREDIT REPORT FROM CHASE BANK ON XX/XX/2019 FOR MORTGAGE. THIS IS AN ERROR OR FALSE REPORT ON MY CREDIT REPORT. THIS WAS NEVER AUTHORIZED OR REQUESTED BY ME. I HAVE CONTACTED CHASE BANK ON SEVERAL OCCASION TO HAVE THIS REMOVE FROM MY FILE AND THEIR HAVE FAILED TO FIX THE ERROR. THEY ALSO ADVISE THAT I SEND A LETTER T THEIR OFFICE AND FAX. 

CHASE CUSTOMER SERVICE INQUIRIES MAIL CODE : XXXX XXXX XXXX XXXX XXXX, LA XXXX FAX : XXXX i HAVE DONE EVERYTHING AND GOTTEN NO RESPONSE OR REPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through XXXX  and and nothing happened. My XXXX XXXXXXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home back in XX/XX/XXXX ; the mortgage company was Ditech, however they filed for bankruptcy and merged/transferred services over to Shellpoint Mortgage Servicing. On XX/XX/XXXX, my insurance company, XXXX, sent Ditech a check for the overage amount of my homeowner 's insurance ( totaling {$1900.00} ) which was to be credited to me. In a previous complain that I submitted to Ditech, they responded that they had forwarded the check to Shellpoint. 

As of XX/XX/XXXX I still have not received my overage payment from Shellpoint, despite having made multiple calls and submitting a written ( email ) request to the company. I contacted XXXX, who confirmed that someone at Shellpoint cashed the overage check on XX/XX/XXXX. Shellpoint took my homeowner 's insurance credit of nearly {$2000.00}, cashed the check, and have not sent any communication as to how they are going to send me my money. Despite all of my efforts, I can not get anyone at Shellpoint XXXX XXXX XXXX to determine who at their company stole my money, nor can I get any assistance as to how they are to fix the situation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ON XX/XX/2019 an associate from portfolio recovery called me about a debt that is over the statute of limitations in Texas. The associate told me that due to the age of the debt that they could not sue me but they continue to call harassing me after I told them to stop.ON XX/XX/2019 - someone from portfolio recovery called again and repeated the same information as the day before On XX/XX/2019- an associated called again and I ignored the callON XX/XX/2019 an associate called again once again I did not answerON XX/XX/2019 another called that I declinedON XX/XX/2019 another call that I declined Portfolio Recovery has been harassing me for about two consecutive months and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
A certified letter was received by Experian on XX/XX/XXXX on my behalf requesting 100 % accurate verification in accordance with the Fair Credit Reporting Act, section 609, 611. Experian failed to provide proper validation for the following accounts, XXXX XXXX # XXXX, XXXX/TOTAL CRD # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX. Experian processed by investigation electronically or through the XXXX verification process and didn't provide any original documentation obligating me the accounts listed above. Experian is in violation of the Fair Credit Reporting Act and should immediately remove the accounts in question from my Experian Credit Report. More than 30 days has passed and yet 100 % accurate verification has been provided on Experian Consumer Reporting agency.

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