BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-02
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Issue: Other

Complaint:
I received a letter from the American Express that one of my card is being converted to dissimilar card forcefully. I contacted regular customer service, but they were no help. I contacted American Express Executive Office by phone at XXXX. I was told to submit my concern either by Fax or e-mail at XXXX, which I did by e-mail on XX/XX/2016. Since I have not received any acknowledgement from the American Express, so I called the XXXX again. The lady told me that she could n't help because she did not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
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: Account status incorrect

Complaint:
An old bill from a XXXX has been settled. 

The settlement documents were provided to the collection agency which sent a request to all three major credit bureaus to remove it from my report. 
XXXX  and XXXX have removed it. 

Experian refuses to remove the collection item from my credit report which is a violation of the Fair Credit Reporting Act, and or/ the Fair Debt Collection Act. 

I would like to pursue an official complaint with Experian and or legal action for this violation. 

Thank you 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 2020-02-28
Company: Upgrade, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Upgrade, Inc. and its owner, XXXX XXXX  were PIF by my credit union, XXXX XXXX via cashier 's check on XX/XX/2020. We were told to send the cashier 's check to their XXXX XXXX Headquarters, which we did on that date. We were then emailed a pay-off quote with a deadline of XX/XX/2020 and told to submit the credit union cashier 's check to another location. This was the beginning of continuous confusion ( their errors ) that ended up with both cashier 's checks being cashed by Upgrade , Inc. in the amount of {$9000.00}. The amount owed for pay-off was {$4500.00}. They have refused to reimburse the monies in a timely manner, leaving our credit union no choice, but to apply the amounts owed back to them by me and my husband to our credit union accounts, leaving us with no monies to pay the mortgage or anything else. See attached documentation for detail. The online account still shows both payments posted with no response from them regarding reimbursing our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX and ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX and ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL 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 2017-01-16
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
AMex conducted a review on my account. While doing so I paid off my balances, and they told me that after checking my paperwork my accounts will be unsuspended and reopened. 

I called them and now they said that it never happened, but it did. It looked like they collected my money and backtrack on what was said. Please have them reopen my American Express accounts all I want is to use my credit cards again. I have the money and paid off everything in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a checking statement on XX/XX/2022 from Wells Fargo. I immediately contacted them to advise that I never opened this account, I wanted it closed and I needed to report as identity theft. I spoke with XXXX and she advised she had taken care of everything. In XXXX I received another statement, I contacted Wells Fargo again and stated I wanted the account closed as this was identity theft. I received another statement in XXXX, called and spoke with XXXX she advised the account was closed and it had been reported to their theft department. I received another statement at the end of XXXX, account is not closed it is still open. Today I spoke with XXXX in the fraud department. I was advised that the account was closed and they were about to mail a resolution letter. I am unclear how I can continue to receive statements on a closed account that was reported as fraud. Wells Fargo was citied for doing this practice a few years ago. I never contacted them to open a checking account and they seem to not want to close the account and bring this to a resolution. I need help.

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 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I noticed that if you click " get credit report '' on transunions website, it takes you through the process of signup and confirming identity. 

The website does not tell you your being charged for a service and it does not reveal a confirmation page for the amount being charged. It does not indicate the amount being billed. 

What it does ask you for, is your credit card number to verify your identity. After you input a credit card to confirm your identity, it does not tell you your being charged for a service, nor does it present you with a confirmation screen. 

Transunion did not send a receipt for any transaction to my provided email. 

I disputed the charges and cancelled the " credit monitoring services '' i supposedly signed up for, even though i was only trying to obtain my free credit report. 

After receiving a refund back to my card, i tried to request for my free credit report online and it had said i already received it. I did not receive anything. 

I am very disturbed by their website functions, and it was not clear what product i had selected until i reached the homepage dashboard, and even then, i had to go into the preferences and deep into that i found out it was a subscription service. 

I would have expected to see " {$24.00} '' displayed on any one of the signup screens and the name of the service i was subscribing to.

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 2020-02-28
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 found accounts are not my the accounts are fraudulent accounts I need help and removed those accounts from my credit file I attach the information about those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from HSBC dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The XXXX discharged {$24000.00}. We heard nothing from HSBC or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At this time we heard from XXXX XXXX XXXX. 
XXXX claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 sent {$800.00} to this email XXXX This man was pretending to be military and that he loved me and needed the money as early release out of the military. He went by XXXX XXXX and found me on XXXX pretending to be another man. I found out that it was not him and he lied to me and scammed me. He made fake military Id and passport that he sent me that I screen shot.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I called Southeast Toyota Finance to arrange for the turn in of my leased XXXX XXXX. I was given a payoff quote and had that money immediately withdrawn from my bank account which they were able to do since payments were automatically debited from the account. That was on XXXX XXXX so at that point my balance was XXXX and that transaction was immediately reflected in my XXXX account. On Monday, XXXX XXXX, another payment was withdrawn from my account because in the process of closing they had not stopped the automatic debit. I called today XXXX XXXX and was told that I had to prove to them that the transaction had cleared by sending a complete end of month bank statement. How ridiculous! I bank online, they take my money online, and they want me to wait till the end of the month and fax them a paper end of month statement which I print online to prove that they have my money which they can find out just as easily as I found out about the error looking at my account online. This whole situation is absurd. They actually had the nerve to tell me that I should have stopped automatic payments but when I told them that I just had done that online they told me that my online action had no effect until they took action. Well, obviously they are in no hurry to take action in stopping erroneous debits to my account. They took my money in error, they know that they took my money and they want me to prove it????? 
I have attached a copy of a screen dump of my account ( which they said is not adequate proof! ) showing the payoff payment and the overpayment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX closed their business in XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XXXX and XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, Midland Service took over the account and claimed that I owed 900 dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed XXXX bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with Midland Service or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Quality Recovery Services in XXXX Ga has placed a debt not validated or owed on my credit report. 
The debt is unsubstantiated and the amount continues to change. First it was over {$2000.00} and within the last 30 days i have received a letter saying it's now {$1000.00} and change. It was not a settlement offer, just a new amount on a alleged debt that has yet to be shown as valid. 
i want them to stop contacting me and to take this off my credit report. They even went after my son and put it on his credit report and put him in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from IC SYSTEM. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEM in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 found accounts are not my the accounts are fraudulent accounts I need help and removed those accounts from my credit file I attach the information about those accounts.

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 2022-05-05
Company: FIRST ADVANTAGE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, First Advantage produced my background report at the request of a company who had made me an offer of employment. 

All information in the background report is correct, except for the criminal records. My maiden name, XXXX, is very common. There is criminal activity on my report attributed to someone named XXXX XXXX, who presumably has the same date of birth as I do. There is no other information in common, as I was advised the public records regarding criminal activity do not include Social Security Number. Further, her known addresses are in TN and MI -- states where I have never lived. 

This woman 's crimes have been attributed to me inaccurately in this background report, and based on very little evidence -- a very common last name and common date of birth. The end result is that my offer of employment has been rescinded. 

In the meantime, I have filed a dispute with First Advantage to have the criminal activity removed. They insist they must contact the court where this woman was convicted for further information to prove her crimes are not mine ; they have a copy of my drivers license now. The dispute will take 15-30 days to resolve. This is clearly unacceptable, as it impacts my ability to be employed.

Someone on the management team at First Advantage should be able to review this criminal 's name and addresses as they appear on my background report and confirm she and I are not the same person. There should not have to be another party involved to resolve the dispute.

This deeply flawed background report process pertaining to criminal activity has a meaningful impact on peoples ' lives and is a very serious matter. First Advantage must be pushed to amend their process so that people applying for jobs or to lease apartments are not viewed as " guilty until proven innocent '' based on loose search parameters tied to criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were scheduled to reach 78 % LTV on our mortgage in XX/XX/2019, so our PMI should be removed by the company. I called them in XXXX to see what we needed to do and was told that it would automatically take place in a couple of months, but that I should call back and keep on top of it because sometimes they " forget '' to remove it. 

So I called back 2 months later and was told that our Escrow would have to be recalculated to remove it and that it would be done in the next few months and we would be receiving a statement int he mail. 

On XX/XX/XXXX I received our new Escrow statement and the PMI has not been removed. Not only have we been charged {$260.00} in PMI payments that we shouldn't have, we are scheduled to continue paying them through next year. 

I have tried to reach out via phone several times and can never get anyone on the phone - I just sit on hold for over an hour. I have also tried to reach out via email through their website, but I am not getting any answers on when this will be resolved. I spoke with someone today and she can't figure out why it hasn't been removed or how to help me. 

I don't want to have to get a lawyer involved and I'm trying to get this resolved without having to take legal action. Any help from anyone on how to resolve this is appreciated.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Credit Company :  Barclaycard  Reward Program : Take {$100.00} Off Your  Next   XXXX   XXXX   Flig ht Offered By   XXXX   XXXX   XXXX   XXXX    MasterCard Pro blem : Reservation was made on  X/XX/2017   at   XXXX  as instructed by the program. However the tab " Gift Card/eVoucher '' was no where to be found on the web page for entering the flight discount code and the pin. I went ahead to complete the flight reservation. I wrote to  Barclaycard  on  X/XX/2017   an d raised the issue. I have attached the   XXXX   reservation Record  Locator Code and a copy of the reward offer discount code and the pin number I received a response from Barclaycard  dated  X/X/2017   -telling me they were unable to complete the request and a sked me to call their Customer Services. I call ed Barclaycard Customer Services  on  X/X/2017  . Th e Customer Representative told me to try to make another flight reservation using the discount code and the pin. I told her this was not acceptable. Then she said it was not their problem. It was   XXXX   XXXX   problem After waiting for an hour to connect with  XXXX , she came back and told me she could n't solve my problem.

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 2020-04-07
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Carter Young purchased a broken lease debt from the XXXX XXXX, that I don't owe. They claim XXXX dollars in damages and fees. I asked for documentation and proof of damages. None was provided. All they provided was a checklist completed by the property stating money owed and damages. They have no substantiating documents. No original lease or inspection. I do not owe this debt.

Company response to consumer: Closed with explanation