BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
State: NJ
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 have submitted several disputes via certified mail and online, asking for documentation of what this ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been a model customer for wells fargo with a mortgage loan since XX/XX/XXXX. I never missed a payment. 
However, I am currently trying to refi the mortgage by consolidating the existing loan and a home equity loan I took on from them as part of the original package and it feels as if they are doing everything to make it impossibly hard to get through the process. How can this happen for an existing customer. The process is impossibly convoluted, the number of documents they need is unbelievably long. The mortgage consultant is not responsive and caused the first rate lock period to expire and now they are trying to add around {$2500.00} to the loan closing fees. It blows my mind that they do n't simply allow existing customers to just switch to a lower APR and streamline the process. 
We started the process XX/XX/XXXX and we still have n't closed the deal. They even asked me about an address in XXXX I had from when I was a graduate student back in XX/XX/XXXX-XX/XX/XXXX. Just insane how impossibly difficult they are trying to make it this process for me. It sickens me that financial reform did n't manage to fix these banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Other fee

Complaint:
I was in a debt repayment program with a set amount that I paid each month to the credit card company. The final payment was an over payment. When I saw that I had a two dollar credit, I wrote and asked that I receive a refund check for this amount. I sent XXXX letters, as I thought that the first did not reach them. About three weeks later I did receive a check. 
I went to my bank and cashed the {$2.00} check, so you can imagine my surprise when I received a copy of the check from my bank with a stop payment order. I was also accessed a {$12.00} fee for the stop payment on my account. 
I have attempted to contact American Express. I even went on XXXX to try and get this resolved. I just keep having to try and explain it over and over .... 
If the money owed had been on my side, they would not have hesitated to demand that I pay up immediately. 
When I tried to call them, I was switched to a different extension, and after about XXXX XXXX minutes the line went dead. I 'm tired of going through this and re explaining everything to American Express. I 'm tired of having to go back in the long line to get someone to talk to. 

I want a refund of the original credit along with reimbursement of the fee that my account was charged. I do n't think a {$2.00} check will break the bank for AmEx, but I am aggravated that not only do I not get money owed me, but have been accesses an additional fee as well - for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit card with American Express I am going to return and give up because they billed me for a XXXX Bill of {$140.00} and have refused to take it off my credit card and I will not pay for it as I never used the ticket. I called them and XXXX refused to give me credit towards another trip. According to the law one can not be charged on a credit card for something they did not purchase. I received no trip on the XXXX trip and will not pay for it to American Express. My card number is XXXX and I would like American Express to take my card back for fraudulent billing for a purchase I did not use the XXXX Bus Ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My credit report is reflecting a bankruptcy >Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2020-03-21
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft

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 2016-10-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been attempting to overpay my Navient student loans for three months in order to get out of debt faster. I requested that Navient return my payment to the regular monthly minimum because they incorrectly auto-debited the wrong amount from my bank account for the three months I requested my payments to be higher. During this time, each month a different Navient representative told me that my request was n't processed because a ) the representative did n't do it or b ) it would show up on my next billing cycle. Nothing ever changed. When I requested to go back to the regular minimum payments, Navient staff told me that because I had been making over the minimum payment, my over-payments were now my new minimum and that I could n't go back to paying my original monthly payment. I requested they provide me documentation on this policy ; they could not and still have n't. Now, after speaking to several representatives at Navient, I was able to get a figure for my old monthly payment and paid it, but the old overage payment is now showing up as a missed / late payment. Navient refuses to do anything about it other than read off a script or tell me I have no options but to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Sequoia Financial Services
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:
The party has not validated nor verified as they state which is legally required by the FCRA as well as TILA and over due according to the rules and regulations of the FCRA .I continue to have to file complaints due to the the corporations inability to legally comply and will continue to do so until I am provided fully compliant responses as stated and cited within their control and or possession.A mere statement that they say they have complied is not a compliance.This corporation even stated my date of birth incorrectly.This corporation has a long history of manipulation and exploitation with other consumers. I know of nothing that supports this corporations allegations that I owe them anything.This is not my account and they know this and is why theyve not been able to provide any sort of compliant verification validation as is required and has been demanded of them by way of certified letters and calls thereafter only to not comply and harass via telephone.This corporation needs to be held accountable for their actions and investigated for their continuing fraud.They have also failed to provide anything that has my signature or contract because it does not exist. They have also failed to provide anything that has been submitted under penalty of perjury under oath.Ergo I contend and will continue on contending I know of nothing that supports their allegations based on what has and had not been provided.This corporation is guilty of negligence and maliciously willfully and purposely attempting fraud and RICO conspiracy for an unverified invalidated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: ENOVA INTERNATIONAL, INC.
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 receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from net credit. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio recovery associates claim I have a debt from XXXX XXXX account. I never had a credit card from XXXX XXXX ( credit card ). This was reported and showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-10-26
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On the last call, XX/XX/2022 they provided me with different information and different eta. 
They need more staffing to handle the influx of requests. 

Servicer : Ed Financial Date Request Made : XX/XX/2022 Date Balance Restored with Servicer : Not yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I filed a dispute with equifax and as of today, XX/XX/2021 they have yet to update or send any verification letter. Confirmation number of dispute with Equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
I have sent two dispute letters to Transunion and they have failed to provide me with proper documentation or a description of the procedure used to determined the accuracy and completeness of the information in question. Transunion failed to provide me this information and I feel they never even tried to contact any of the accounts I presented.

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 2022-03-28
Company: FinCo Services Inc DBA Current
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I went to the store the night of XX/XX/2022 around XXXX and bought something from the gas station and to fill my tank up the next morning I realized my card was gone and money was being wiped off my account day by day i dont know who stole my card but they knew my pin code automatically these skimmers have been found at a lot of stores and atms so I finally contacted the bank to file a dispute and they barely gave me updates and they denied what I said so I dont know what Im going to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
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 got identity theft after I lost my wallet back in XXXX. Fraudster applied online with XXXX XXXX and the credit card was sent to a different address rather than my residential address. after a month, I was billed approximately {$1800.00} from XXXX XXXX. I called XXXX XXXX numerous time to report identity theft, yet XXXX XXXX still reports the card to credit bureaus which makes my credit score plummets and send me a letter asking me to pay for the card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Granite Bay Acceptance Inc.
State: OH
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 complaint is against Granite Bay Acceptance Co of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This company has made several unsolicited and unauthorized checks of my credit over the last year. I live in Ohio, this company is in California. To my knowledge, I have not conducted any business with this company at any time. I have not applied for any loans or financing from this or any other company during the last 12 months, and have received no letters denying me credit with this organization as the financier, and therefore deem their inquiries as illegal. This regular checking of my credit has caused my credit score to drop, which I found during my regular annual review of my credit reports. 

They illegally checked my credit on XX/XX/2020, XX/XX/2020, and again on XX/XX/2020. I contacted them by email to find out the purpose of their inquiry, and to request they cease and desist, and have not received a reply. I do see upon XXXX search that there is existing litigation against this company for allegedly violating consumer privacy laws by checking credit and selling the information to third parties, and fear that the same may be occurring with me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, my Bluebird American Express account was subjected to XXXX unauthorized transactions totaling {$1200.00}. The charges took place at XXXX XXXX XXXX, North Carolina -- a state I have NEVER been to. I live and was in XXXX XXXX at this time. The physical card was in my possession and I have never supplied my card number to another person. Therefore I believe I was the victim of card skimming. 

I noticed the charges that afternoon ( XXXX XXXX ) and immediately notified Account Protection Services. My existing card was cancelled and a replacement was issued to me. I called back on XXXX XXXX once the XXXX charges had cleared in order to file and begin the dispute process. I followed proper protocol as outlined by American Express and supplied all information that was requested for the investigation. On XXXX XXXX, I received an email notification that my dispute had been declined along with another email that my account had been permanently closed ( blocking my access to over {$1500.00} in funds ). I filed a police report the same day, faxed a copy to Account Protection Services, and called to request that the dispute be re-opened. I was told the investigation was complete, case was closed, could not and would not be re-opened. A supervisor, XXXX, suggested that I contact XXXX directly to dispute the transactions and request reimbursement. On a subsequent call XXXX XXXX, I spoke with XXXX again and demanded details of the investigation, which I 'm entitled to as a cardholder. I was told affirmatively that no information would or could be provided to me and the decision was final, and the call was terminated by XXXX. On my last call to American Express XXXX XXXX, a customer service rep said that I could a letter in writing to their XXXX to request details of the investigation and request my dispute be re-opened. I sent this letter via certified mail on XXXX XXXX, along with a copy of my police report, declaration of fraud form, call records and photo evidence of my location in XXXX XXXX on XXXX XXXX. As of XXXX XXXX, no response has been received. This is a blatant disregard of my rights as a cardholder, as outlined in Regulation E of the Electronic Fund Transfer Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was attending XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I read about the school closing so I withdrew on XXXX/XXXX/2014. My Federal Loans are qualified to be discharges since I withdrew after XXXX XXXX, 2014 but I still have {$9200.00} in private loans to pay off. My private loans were from XXXX XXXX but they transferred my loans over to University Accounting Service , LLC . I would like to know if there 's anything possible I can do to relief my loans or some of my loans. I was able to transfer some credits out but not all. I was not able to continue my XXXX program so I am currently in a different program. If someone can please help with this situation, I would be very grateful since I could not get any information on private loans.

Company response to consumer: Closed with explanation