BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a victim of a predatory mortgage lender. Since XXXX, I have tried to refinance my 7.99 % ARM and 11.99 % fix mortgage with HSBC with no luck. We are upside down mainly because of the high interest rate on the XXXX XXXX and peanuts have gone toward principal the past 10 years. ( Refinanced with them in XXXX. ) Adding just interest since XXXX, over {$150000.00} has been paid to this company already but that 's still not enough. ( To put things in perspective, our home was purchased {$150000.00}. ) Because we are not a FFA loan and we are upside down, no other lenders or programs helps us or wants to take on the fight with HSBC. ( And we have tried several attempts over the years. ) We are two months behind and requesting HSBC work with us now. The only response we have received past years is a few months modification and we are returned back to the outrageous loan regulations. HSBC states : " We do not refinance, only can offer temporary modifications. '' Today, the response from HSBC states our only options are a short sale or foreclosure. We do not want to lose our home, we just want an affordable home monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Vystar credit union launched new app and website. Took old down. Systems were supposed to be down 3 days. Going on 5 now with inability to access accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: NJ
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:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/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 2015-06-13
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is a XXXX XXXX account for about {$3000.00} taken out in my husband 's name by his ex wife for her ( not his ) son after they were separated. We finally got XXXX to investigate and verify that he had signed nothing, had n't used the account for himself/was n't on the account, and actually has never even been to the place where the credit was issued and used. So they sent us a letter saying yes they investigated and that it was found in his favor, he no longer owed the debt it was going to be taken out of his name/off his credit report. That 's good, but Midland Credit Management, the collection agency handling it, even with that letter from the credit issuer is refusing to stop trying to collect this from us or to take it out of his name and has it on his credit report and wo n't take it off. I have sent them a copy of the letter from the creditor and they said they just wo n't recognize that letter as valid proof and they do n't care what XXXX says because they are " no longer in the picture '' on this debt, that it belongs to MCM now. Can they do that? They know it 's been released by the original creditor as not being valid and taken off the credit report by them but they just do n't want to acknowledge that so they are n't going to do the same??? They said there is n't a police report about it so it does n't matter if the original creditor says it 's fraud. That does n't seem right. I have tons of this stuff to deal with and I am not filing a police report on his ex. They have kids together, she 'll lose her job. I 'm just not doing that, they signed her up for it let them get it from her. I should n't have to. You should n't be able to issue XXXX in credit without someone 's permission. The proof MCM kept sending us and 'verifying ' this debt to the credit reporting companies was XXXX statements showing the card had been used for that total. Well of course it was used. Who would take a credit card out in someone else 's name and NOT use it. In other words they can verify a debt with any random paper they feel like. Is n't that just totally in the favor of the debt collectors? They need to start making these things have a signature, like they use to do. They should n't be able to issue credit /loans in just anybody 's name with no due diligence at all about whom they have issued thousands of dollars of credit and then it 's your problem to find a way to get it taken out of your name or pay it. How about they have to make sure it 's YOU to begin with or they ca n't collect it from YOU since they are the one 's passing out money willy nilly? How about that?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was mislead into entering into a fraudulant auto loan with Credit Acceptance Corporation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
This company repeatedly calls before XXXX XXXX and after XXXX XXXX and has been for many years. They were asked to verify it was my debt and were unable to do so. They say things like " tell XXXX to pay her XXXX bills. '' They have sent XXXX letters from lawyers saying if I do not contest the debt it is assumed valid and I will have a judgement against me. I have called the original creditor and they do not have information for me about the debt. I tried speaking to portfolio, but every time I did, they updated the collections date in my credit report to cause my score to drop. They check my credit report multiple times a month. This company is unscrupulous and unethical and they have been for many many years. I tried speaking to them, but they are verbally abusive. They call 10-20 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello, I used to have a credit card with Capital One. Few years ago for non payment they took me to court and I didn't appear because I was sick and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past two years. Capital One has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Sherloq Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have asked for proof of this debt twice and have been ignored by : Merchants Association Collection Division, INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Amount of debt : {$520.00} Date of Service : XXXX/XXXX/XXXX Provider of Service : XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
{$230.00}. Month for five years plus a checking an savings 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 2020-08-06
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX J.P. Chase Morgan Bank Private Client mortgage including escrow and other promised securities violations Predatory lending, tampering with safety deposit box and contents, illegal foreclosure ( owner is protected active military  XXXX XXXX  ) deceased ... unlawful possession, intimidation, multiple city and health code violations that were never inspected, property or condition before lending was completely undisclosed during sale or transfer! BLACK MOLD TOXICITY ... .WRONGFUL DEATH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Kentucky XXXX Umbrella policy New deed filed XX/XX/2019 New deed filed XX/XX/2019 XXXX I can get no information on this new deed II could not file a complaint then With the insurance provider agent I have been rejected and disregarded For a very long time I am XXXX  XXXX and separated from my children due to the lack of paid services that were insured to me as a named member on the umbrella policy I can give you more details but I dont know exactly what Else to do right now! Im ready to give up XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
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 was paid

Complaint:
Portfolio Recovery Associates accepted payment to close the account but continue to report inaccurate information to all XXXX credit bureaus. Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus after accepting and depositing a check as final payment. I have disputed this account by providing the original letter and cashed check as paid in full however they ( Portfolio ) continue to report to the credit bureaus as a balance. Portfolio Recovery has stopped all attempts to communicate after check was cleared. This account is further negatively affecting my credit report and score due to this company 's false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX disclosed that I was paying significantly higher insurance premiums due to information in my credit report. They arranged to have TransUnion ( TU ) send me a copy of their report. I had never seen it before and discovered that it had highly inaccurate, false and misleading information which appeared to leave a 10-year " gap '' in my record. The proper explanation is that : in XX/XX/XXXX I was upgraded to an XXXX XXXX XXXX XXXX XXXX XXXX with high credit limits replacing my original XXXX card started in XX/XX/XXXX. It became my primary credit source for the past 16 years. The face of the card clearly states that it continues my XX/XX/XXXX membership. TransUnion erroneously reports only the old card which was superseded in XXXX XXXX as having a {$0.00} credit limit and closed 10 years later in XXXX XX/XX/XXXX without explaining the actual change which took place. On XXXX XXXX I called TU about XXXX-XXXX AZ time and talked to XXXX . I asked that TU provide the above explanation as to what really happened to the old card EITHER by verifying it with XXXX Credit Bureau ( whom I authorized to give information to TU ) OR by allowing me to provide such a statement correcting my credit report. I then talked to his Supervisor, XXXX, who confirmed to me the points listed below which were stated by the TU rep accuratly reflect TU 's policies. I believe these stated policies conflict with my rights under FCRA. TU 's policies are : 1. TU is mainly a reporting agency of data given them by whichever creditors chose to file periodic reports. It is " not our job '' to seek out or investigate any missing information brought to our attention which might adversely affect a consumer 's credit record. 2. I asked how I could proceed to file a grievance or appeal on the omitted information. I was told that TU does not have any such procedure for doing this. 3. I asked if I could provide a brief statement giving the true and correct description which explains that certain credit information is omitted and why. I was told that consumers are not allowed to give their side of any dispute or denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Northwood Asset Management Group
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 received a call from a XXXX XXXX at Northwood Asset Management. He said that I tool out a loan from them for {$1400.00} on XX/XX/2020 and defaulted in XX/XX/2020 and is now at a balance of {$2700.00}. I never took any loan from their company and never applied for anything. He said that he would sent me a notice but there wasn't much that he could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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:
There is a fraudulent item being placed upon my credit report from XXXX/XXXX   that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with XXXX/XXXX. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission XXXX/XXXX  has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, Equifax and XXXX  are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, Equifax and XXXX  under Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery, under many different numbers, keeps calling. I am current on all my debts. I have XXXX car loan, XXXX mortgage, a HE LOC and XXXX credit cards all of which are paid monthly. I have never had anything go to Write Off. I have no debt problems. My internet research indicates this firm buys uncollectable Write Off data that is no longer legally required to be repaid. They will just continue to call and call. I understand if they believe a person owes a debt, they must write a letter indicating the particulars of the debt. I have received nothing from this firm. What can be done to stop this firm from calling and leaving no information about the purpose of the call. thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In XXXX of last year I filed disputes with all 3 bureaus because there are some incorrect things bein reported. To this day they have not done anything to fix what it wrong. Why is this taking so long? 
I hope you can help with this matter.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The bank is putting through payments when I do not have enough money in my account THEN charging me a fee for each. 
I called customer service and told them not to do this but they continue to do so

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 2021-01-26
Company: EQUIFAX, INC.
State: NV
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:
I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Since I open the account with Navy Federal I had several Fraud or misuse that was allowed by Navy Federal Credit Union they are not protecting my account nor keep the account secure Home Shield charge my credit card without my authorization claiming that they have card number on this can not be true because had my card change several time prior to this unauthorized charge of {$68.00} so how did they get the card number. Please review my account XXXX make sure charges and fees are apply correctly and the Credit Union is working within Federal Government Regulation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation