BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AK
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My ex-wife tried to refinance her home, the home had a 2nd on it from HFC. The loan would go through because HFC reported that I still owed money on the loan. HFC reported that I owed {$5000.00}, plus interest for the last 5 years, meaning I owe them {$10000.00}. 
The 2nd from HFC was included in my bankruptcy 5 years ago. The debt was paid and the bankruptcy court sign off on my case about 5 years ago. 
I believe that HFC is acting in bad faith by not accepting the payoff, in addition they have had the 5 previous years to notify me of this debt, they have n't, nor does a failure to pay a debt show up on my credit reports. I believe HFC is wrong. 
If HFC underreported the debt owed, they had ample opportunity during the bankruptcy process to amend the dollar amount of the debt. HFC never corresponded with the Trustee who was managing the bankruptcy account or the courts. I believe they purposefully are trying to act in a fraudulent manner to take money that they are not owed on the 2nd trust of deed. I want HFC to sign off and take the lend off the debt that was paid off by the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Hi, Like many other posters on consumer affairs.com, I signed up for the one time credit report from Experian.com. I then got charged {$20.00} a month for the next 6 months and the same when I checked my husband 's credit. Granted, I should have cancelled and checked the fine print. However, I do n't recall seeing the {$20.00} a month when I signed up. I never received any email credit alerts and when I noticed the charge again on my credit card this month, I called the company. I explained that I understand the terms and did n't mean to sign up but I did. They can see that I did not use the service but would not bend on any refunds. What really sparked me to write the review and not just chalk it up to my failure to cancel or read small print is the robotic response I got. I called today XXXX/XXXX/2016 and the next month is for XXXX/XXXX/2016 and they would not even cancel that. I called 3 times and they repeated sorry it is nonrefundable like a robot. I expressed my anger and the fact that I would eat the {$240.00} which I have nothing to show for but they ca n't even bend on the last {$20.00} charge. They have no concern for customers at all. Most companies will bend a little. I would have been happy if they said yes, we will give you the {$20.00} back but sorry about the rest as it is non-refundable but there was no give at all. Only greedy greedy take. The worse part is I did n't receive anything for this money. Lucky, I can afford the loss, but I wonder how many other people get ripped off like this and a ca n't afford it. 
Please pass a law requiring more details in the fine print or monitor this greedy lack of customer focused company. Thanks.

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisTransUnion and XXXX as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

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 2015-05-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a case in which my ex husband was still covered under my medical insurance, but saw a doctor after our divorce and the delinquent bill is being reported under my name. His current address is also being reported on my credit report in which I have no affiliation. I have requested the removal of XXXX items twice and Experian has not done it nor have they provided me with the reason why. XXXX XXXX did remove all information but I continue to fight with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have located an incorrect late payment from XXXX XXXX Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: The CBE Group, Inc.
State: UT
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:
The CBE group ( Account # XXXX ) is reporting a very old debt on my credit file. This debt is not only past the statute but also past the credit reporting limit. I would like to request that CBE Group remove this debt from my credit file. I no longer owe this debt and it should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: SYNCHRONY FINANCIAL
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
GE Capital Retail Bank/Care Credit made payments to XXXX XXXX XXXX XXXX, XXXX that I did not authorize. In the amount of {$6000.00}. Might be a little more. 

XXXX XXXX 's Office would submit invoices to Care Credit without my knowledge and without any evidence that I had set foot in his office after XXXX 2012. The office would periodically make request for an increase in credit line. See attached.

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 2015-11-04
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I called the XXXX XXXX Bank and I told them someone open fraud account under my name. I also told them that I have fraud alert on my name company called me. The presonnal that I was speaking to told me that they do n't call. I think that was their fault and i think should be deleted completed. ( that is not me ) Also i have others inquiries under my nameXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Credit reporting agency has not removed derogatory remarks on my report. Agency continues to report remarks beyond the statutory period required for removal. 

Referring to XXXX XXXX XXXX partial account number XXXX .... late payments, and XXXX XXXX XXXX. partial account number 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 2016-10-11
Company: Dynamic Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from a company calling themselves Dynamic Recovery Solutions. They provided me a phone number of XXXX. My wireless phone identified the number they called from as phone number XXXX XXXX XXXX XXXX. 

These people informed me that I have an outstanding medical debt of over {$300.00}. They have been hired to collect this debt in full or make arrangements with me to pay in installments or they will offer me a settlement. They requested for a credit card to pay this off. 

This company had my name and my wireless number and the last XXXX digits of my social security number and my previous address. They requested me to confirm my social security number and my previous address and provide my new one. I would not give them any information because I believe they are a SCAM. 

I have health insurance which covers most of my health insurance, therefore I DO-NOT any outstanding medical bills. I do not know HOW they got my personal information. 

I look forward to your investigation of this matter. Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I used to carried a XXXX credit card from XXXX which I used to purchased couple of watches and some wearing in the XXXX. When I bought my first home XXXX, I charged a freezer, TV, vacuum cleaner and few air conditioners which added my bills up to {$2200.00}. I have been paying this credit card monthly bills since I first charged it up to XXXX without any additional charges. When I lose my house in fore-closure XXXX XXXX and moved into my daughter 's home the same year and could n't afford payments of my personal bills due to six months suspension from work and limited income, XXXX sent my bill to collection agencies that started to harassed me for payment. By XXXX they added new interest and took my below {$1.00}, XXXX bill up to XXXX. This action forced me to make a monthly payment plan for about {$40.00} which I paid up to the end of XXXX at which time they urged me to increase my monthly payment in XXXX or face more charges because my current payment was small. It was at this point I informed the NYS Attorney General 's office about this bill. NYS Attorney General 's office told me, ( if you have been paying this credit card bill since XXXX to current, we believe you have enough on this credit card bills, if the collectors continues to harassed you, gathered their information and forward it to us. ) When I told the collection agency to forward to me the necessary information, they calling me. To my surprise, especially when I have retired effective XXXX/XXXX/XXXX, this new collection agency, ( Forster & Garbus LLP, a XXXX Law Firm, XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. XXXX XXXX XXXX, ) has garnished my retirement checks and received payments of {$300.00} up to current until I pay to them {$3.00}, XXXX. XXXX, thru a court writ that I did n't received or served a copy. My request is that, I believed they have wrongfully garnished my retirement checks, has billed me more than what I ever owed to XXXX, must stop all future garnishment, and they must pay me back every cents received. Thanks. I look forward to hearing from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has lied and claimed that there is no enough evidence to support my claim, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me XXXX. Give me a XXXX 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.

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 2017-01-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just received a notification that " XXXX obtained a copy of your EXPERIAN Credit Report '' from XXXX credit monitoring service. I have not authorized a credit pull and need this removed!

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 2021-03-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I had posted an ad on XXXX trying to sell my table and chairs, someone actually seemed interested and sent a check for XXXX . When I received the check I deposited into my mobile Wells Fargo account. This was on XX/XX/21 The check went through the next day with no issues. The person that issued the check said to pay movers through XXXX XXXX  with the check that Wells Fargo cleared on XX/XX/21 an amount of XXXX dollars. So I did. A couple of days later he texts my phone saying they are going to back out from the deal and wont pick up the table and chairs I had listed on XXXX. And wanted me to XXXX him XXXX $ from my account to his zelle email he provided. Fast forward to today XX/XX/21 Wells Fargo had not only overdrawn my account by XXXX $ but theyve have also decided to return the check today instead of actually holding it when it was deposited on XX/XX/21. Now Im negative in my account have no money to help pay for things my child needs. And I am feeling helpless and cant seem to get justice for someone trying to scam me into giving me a fraudulent check in the first place.

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 2015-10-20
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
You issued a loan in my name that I did not apply for. I want to know who provided my information to your company because this is illegal. I will be prosecuting to the furthest degree. I can not believe this is something that your company agrees with and is willing to steal from people. People who are already in financial hardships and you still allow your company to steal from them. I am extremely disappointed that this is the way the human people take care of each other. Never mind we have to look out for what the government does and the world in general. Now we have to worry about companies like yours taking money from us as well. People who work hard for there money and to keep there information protected. And you release as if it is nothing. I hope you sleep well at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: FL
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 disputed these and the results came back as, " Updated '' when in fact they were not. 
1 ) XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( 2 accounts ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist

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 2021-03-22
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Was diagnosed with XXXX XXXX and lost my ability to work. Requested a payment deferral to be able to catch up with my loan. Filed for social security XXXX support and waiting on my Stimulus to be able to catch up and bring my account current. i was denied and threatened to lose my vehicle. I'm only asking for some time nothing else

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a hard credit inquiry in my XXXX report from XXXX XXXX, 2015. I never authorized to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the reason on the denial. I have contacted the bank, the don ; t believe me. I contacted XXXX, they said the bank has to do it. I want this to be removed from my credit report. I was misinformed and my credit inquiry was used without my authorization. I want to put a complaint againt Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is negative. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2020 even though I received a XXXX Cancellation of Debt from XXXX XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2015-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Last year I pulled my Free Credit Report from Experian on XXXX/XXXX/2014 for my wife and myself. Immediately after pulling XXXX Free Credit Reports I called to cancel the credit monitoring service. 

After canceling this I noticed several months later to my surprise that I had been billed for the service that I canceled. When I called Experian they conveniently has no record of the XXXX calls I placed to cancel the service and refused to refund me for more then the XXXX month basically telling me that it was impossible that I called and that if I had called they would have a record. 

I filed a complaint with the CFPB last year and was able to get some help and Experian reconsidered and refunded my money in full. 

Fast forward to today. I received a XXXX, XXXX, XXXX, and XXXX charge on my MasterCard from Experian. After several months of thinking this was resolved I have new charges exactly 1 year after my initial Free Credit Report was pull. I have new charges billed to me in the amount of XXXX. 

I called today to Experian to have these charges refunded and they told me I would have to dispute them with my credit card and they do n't know how they got on there. 

I would like to charge Experian with conspiring to defraud consumers. There is a systematic convenient failure of their system which favorably increases their revenue. 

I am looking for a refund, but more importantly and complete investigation of their business practices as I can only imagine how many other unsuspecting folks are also victims of this abuse. 

I sincerely hope that the regulator that reads this plea for consumer protection is not pencil whipped, but that a complete investigation is opened to investigate these claims as I believe it has absolute merit. 

XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22
Company: RSVP Lending, LLC dba RSVP Loans
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:
Company sold loan to a debt agency in XXXX of XXXX, I made payment arrangements with the debt agency XXXX and was making monthly payments. Loan was paid off in XX/XX/XXXX and in XX/XX/XXXX RSVP loans reported the full amount of the loan on my credit report. Contacted the company and they were unwilling to do anything about the error in the report

Company response to consumer: Closed with explanation