BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-09
Company: DISCOVER BANK
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I had opened a Discover Savings account using a promotion. I fulfilled all the terms and conditions mentioned in the promotion code including entering the promotion code also. Just to be on the safer side I got a cross confirmation from Discover that i will get the promotional bonus also-i had the email conversation via secure message center. Later when i am expecting that i will get the promotional bonus - i come to know that Discover is asking me whether i had entered promotional bonus or not? May be they are having second thoughts now. And most interesting - why they are deleting the messages like this? I can see that on the website they have mentioned that " all messages are going to be deleted after 30 days '' ... why??? In this age of Bigdata and analytics ( where storage is so cheap ) and moreover for legal reasons - financial institution should not do something like that - why DFS is not following it?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was never notified of a mortgage transfer from my new loan owner. I was trying to make a payment to my original lender for my mortgage and it was never made clear to me who I should be paying. I also have yet to be contacted by my new lender, and I do not wish to supersede my grace period nor default on my loan. I have not missed a payment in 7 years and 4months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: First Federal Credit Control, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have never been notified or did I know about these medical bills. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
To whom it may concern XXXX I hired a company called XXXX XXXX to replace my existing air conditioning system for the following reasons. 
XXXX 1. They claimed that the air conditioning wasnt powerful enough. 
XXXX 2. They claimed that the wire was undersized. 
XXXX 3. we needed an air conditioning duct in the ceiling of the living room, this work would be done for {$9000.00}. A copy of the contract is included. 
XXXX 4. They agreed that they would take a deposit of {$3000.00} which i paid on XXXX XXXX and they would expect the {$6000.00} upon completion. 
XXXX 5a. upon inspection of the job, they never installed the duct work in the ceiling for the living room, but charged my credit card anyway for the remaining balance of {$6000.00} on XXXX XXXX. When i confronted them, they said that they needed me to know that there was no place to put the duct without me doing some of the work.I explained that this was n't in the agreement. 
XXXX 5b. I stopped the credit card on XXXX XXXX for the {$6000.00} XXXX 6a. They finally agreed to install the air conditioning duct, by the XXXX XXXX, as long as i would give them the payment in full up front which i agreed. 
6b. On XXXX XXXX, they sent over technicians that explained to me that they could n't do the work. 
XXXX 6c. The guys that came to do the work did n't have the right parts for the job to be done and their ladder was too short to reach the roof outside, they needed to borrow a ladder from my neighbor and after looking at the job on the roof, they couldnt figure out where to start. 
XXXX 6d. They also didnt bring the right ladder for the inside of the house because the ceilings were high they could n't reach the ceilings in the house. 
XXXX. XXXX XXXX i put in a second dispute to cancel the charge of {$6000.00}. 

XXXX 8. They agreed to come back and finished the job but needed a set of blueprints, which i sent them via email about 2 weeks ago. 
XXXX 9. I asked them for a letter of intent or diagram showing me how they would install the duct work, and i have n't heard from them in 3 weeks. 
XXXX 10. I understand that XXXX XXXX is trying to have Discover reverse the charges in their favor which i dont believe i should pay for something that isnt complete. 
XXXX Please advise me on this matter. 
XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
These companies have posted information into a consumer report without my permission violating my right to privacy.

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 2016-07-25
Company: DISCOVER BANK
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Discover Bank is mishandling my account and not doing as they state when it comes to disputes putting me in danger of my account. I do not trust the way they have handled my account. They are being dishonest in their accounts and making it my issues that they have mishandled it and stating that they will take up to 45 days to correct their issues and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: DISCOVER BANK
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They sent me a letter stating that beginning XXXX XXXX, 2015 their company will start taking {$75.00} on my account. The company kept sending me letters about the debt which I do n't recognized. I did request in writing to send me the validation of debt which they failed to send. Now, this is what they want to take money from my account without any judgement or proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2013 I received notice of a default judgement against me in court for a credit card debt ( I was never served ). In XXXX 2013 I paid a reduced amount and this was reported paid. A few months ago I began receiving calls and letters on this same account from Midland and requested verification of the debt. The only thing I got back was a letter telling me I had to provide proof it was paid. Since I paid by prepaid card over the phone the only proof I have is the settlement reported paid on my credit report. Four days ago I received a paper from a law office for Midland with a judgement from the court ( also never served ) to garnish my wages for this paid account. Midland is making my life XXXX and I do n't understand how they can resurrect accounts paid years ago and harass and threaten people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I HAD DISCOVER CREDIT CARD I MISSED FEW PAYMENTS AND THEY CLOSED THE ACOOUNT BUT AFTER THAT I HAVE BEEN PAYING THEM EVERY MONTH FOR OVER A YEAR. MY FINANCIAL POSITION GOT LITTLE BAD AT START OF THIS YEAR SO I COULD NOT PAY THEM IN XXXX 2016 .SINCE THEN THEY BEEN CALLING ME A LOT. SOMEDAYS THEY WILL CALL LIKE 4-5 TIMES A DAY .I HAVE BEEN DEPRESSED SO SOMETIMES I DONT FEEL LIKE ANSWERING PHONE BUT STILL THEY WILL BE CALLING AGAIN N AGAIN. LAST WEEK I CALLED THEM AND TOLD THEM THAT I AM NOT ABLE TO PAY NOW BUT WHEN I AM LITTLE BETTER ON MY MONEY I WILL CALL THEM AND PAY WHATEVER I CAN. I SPECIFICALLY TOLD THEM NOT TO CALL ME BUT THEY ARE STILL CALLING ME. WHAT SHOULD I DO?. ITS FRUSTRATING AND DEPRESSING ABOUT ALL THESE CALLS WHEN I AM ALREADY HAVING HARD TIME. CAN PLEASE GUIDE ME WHAT SHOULD I DO?. THANKS A LOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Someone other than myself has created XXXX CFPB complaints under my account on XX/XX/2016, complaints numbers XXXX, XXXX, XXXX, and XXXX. There have also been comsumer responses provided indicating the company response is not disputed for which I did not provide as all of the company provided written responses to my CFPB complaints have misrepresented documents, account activity, and even omitted material facts related to the true status of my account during the modification process. I always DISPUTE the company response for these very reasons and I will continue to dispute the company responses so long as the company continues to lie and misrepresent the facts. 
Just to be clear, while the XX/XX/2016 CFPB complaints are represented as submitted by me, they are not and I have not authorized anyone to create or respond to any company response relating to any of my CFPB complaints. Specifically, I have never responded to the company response indicating not in dispute. So, the CFPB complaints between XX/XX/2016 throught XX/XX/2016 are disputed by me and what is showing on my CFPB account is incorrect. 
Furthermore, I simply stopped taking the time to indicate I dispute the company provided written response as it did not address the concerns within the complaint and often referred to a previously provided nonresponse response. Even so, it should be understood I continue to dispute the company provided written response to the extent it does not resolve my concerns stated within the complaints. 
An update and correction for the CFPB complaints between XX/XX/2016 through XX/XX/2016 is in order indicating customer disputes the company response. All other previously mentioned resolutions are desired and mandatory.

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 2015-05-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Though I filed a Chapter XXXX in 2011, I 've paid my bills on time, I only have XXXX credit card with a XXXX XXXX dollar limit. though my monthly bills total, {$1400.00}, including mortgage and car payment, XXXX loan ( $ XXXX ) and XXXX credit card ( $ XXXX ) all with good standing and on time payment history These are the only open accounts on my report and my monthly income is $ XXXX .Despite these facts, my score remains in the fair to poor range and I 'm continually declined due to credit reports and scores. I saw XXXX disputed bill on my report that was n't mine and it was forgiven when I filed chapter XXXX, and as I stated, it was n't mine in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax since opening the case with you has reinserted negative inquiries effecting my credit score. More than XXXX it makes it even more difficult to make any sort of effort in maintains health credit to take care of me and my family. XXXX Even though the child support case for XXXX is no longer valid and was only taking XXXX dollars a month because it was know to be fraudulent Equifax still reports it and causes me to be XXXX percent debt to credit. I have submitted police reports IRS affidavits ftc reports to let them know to remove it for months and and they ignore me. Credit affects people 's lives more than anything and they should be hold accountable under those federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In 2008 I was victim of ID theft by someone who opened an account in my name and SS at the address located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which is not and have never been mine. 
After reporting to the police and credit agencies this was a fraud, the address still shows as my Former Address in the Equifax Credit Report, which is incorrect and I would like to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I requested updated information for a paid balance in XXXX of XXXX to the State of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my one payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.

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 2016-03-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently received notice that XXXX XXXX XXXX, an entity I rented an apartment from in 2014, has submitted information to Equifax alleging that I have XXXX accounts open totaling XXXX . These accounts and their corresponding charges were never communicated with me or my roommate. I am disputing these claims with Equifax. Equifax has been entirely unhelpful in this situation. The contact information for the accusing business either does not work or the business refuses to reply or assert their charges. I contacted Equifax assuming the collections agency must have contacted them and thus I could dispute the claim with the collections agency and possibly obtain the contact information for the original business. The information Equifax provided me was erroneous and was the contact information of an auto insurance provider. If Equifax can not contact these collections agencies and they never have to assert charges or communicate with clients then how can this be considered a valid legal practice? 

I appreciate any assistance or guidance you may offer. It would seem that both Equifax and XXXX XXXX XXXX have failed to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
my name is XXXX. i was attending XXXX when the school shut down. i have a private loan with American Student Financial Group my loan was for XXXX and they are saying i still owe them since they payed XXXX in full. i however disagree that i still owe them due to the fact XXXX did hold up there end of the deal by letting me complete my education. i have payed them what i have used which was almost XXXX dollars. I dont care to have my money back i just dont want to be responsible for this loan anymore. i have called them and they have said that i still do have to pay them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Midland Funding LLC is fraudulently reporting a collection account to my credit report. I have never requested or obtained credit from XXXX XXXX XXXX, XXXX, or any factoring company. I am not liable for any debt to Midland Funding LLC, XXXX ( South Dakota ), XXXX XXXX, or any factoring company. I have NEVER received credit, nor do I have an account ending in XXXX from XXXX ( South Dakota ), XXXX, therefore I 'm not responsible for any debt. I have disputed this fraudulent claim with Midland Funding LLC directly as well as all Credit Bureaus and they still are reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went on line and purchased real estate leads in XXXX cities. The company is called XXXX I paid XXXX for each city. They would send me name and number and price range that customers were searching for. What they said to me was that I could go on a month to month and quit it after 1mo if I so desired and there would be no additional fees if I decided to nolonger use them. I paid a total of XXXX on XX/XX/2016 and the leads started XX/XX/2016. As I worked these leads it was apparent that these leads were more looking and not even qualified to buy yet. On XX/XX/2016 I decided that these were not the type of leads I wanted so I emailed the company that I was terminating and would not continue past XX/XX/2016.They sent me a email that I was responsible for the full month of XX/XX/2016 per contract. I told them that this was not how it was explained to me. They said it was in the contract that they had sent me. I did this all on line and I do not recall anything like this in the contract. I did tell them that there should be a dispute clause. I told them I would not pay for XX/XX/XXXX. They said they would send me to collections. On XX/XX/XXXX I received a letter from a collection company showing I owe XXXX for XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
At XXXX I received a call from this man and he said he wanted to speak to someone who had my name. I said it was me and I asked who was it and immediately this man threatened to record the phone call and did not identify himself. I do not know where this person got my name and my home phone number. As soon as I heard that the phone call was going to be recorded illegally I hanged up because this was clearly illegal and out of order. I assume this man wanted to rob my identity and was impersonating a collection agency agent but I do not have more information to confirm this but I will not share any personal information with unknown callers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
There is an outstanding debt being reported on my credit reports and this account does not belong to me. I have tried contacting Walmart and XXXX which is the company that I was told purchased tha account and have not received a response from either. I would like this information removed from my reports

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 2023-03-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I contacted Experian regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} The information presented on this account needs to be investigated. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX XXXX. The balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower amount. Therefore, I dispute the entire account and request that you verify the following dates : Date Opened and Date of First Delinquency. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} The information presented for this account is also inaccurate. The original creditor on this account is a different company, XXXX XXXX XXXX, than the one you indicate. The reported balance of {$140.00} is higher than the amount I believe I owe. I dispute this account and request a verification of Date Opened and Date of First Delinquency.

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