BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost m y credit score to p lummet substantially. They have as of today  XXXX   XXXX ,2017 removed my  XXXX  , American Express,   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX  is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all the Data Furnishers and they have all re-reported the accounts and   XXXX   has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken ca r of ASAP .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I challenge the adverse account designation of HSBC AUTO FINANCE on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by HSBC. HSBC violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but HSBC transferred the account to XXXX, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XXXX 2009, XXXX 2009 and XXXX 2009. I had called HSBC and was informed that they were transferring the account to XXXX XXXX XXXX and that their computer system had problems in the transfer during the months of XXXX, XXXX and XXXX of 2009. 

HSBC indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when HSBC transferred their accounting files to their new partner, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. The first complaint that I have is that I requested a loan modification XX/XX/2015 because I was unable to make my payments at the current rate and I was approved. I followed everything I was supposed to do according to the verbal conversation I had with the representative. After I mailed the 4th payment I received a letter telling me the loan mod was cancelled because I had not sent back the paperwork. I called and asked what paperwork they said the modification agreement. When I requested them to send it back out so I could sign it, their response was no we will not send the paperwork again, we are returning the last ( 4th ) payment made and to not make any other payments at the modification amount, and to contact a HUD agent. 
2. After working with a HUD agent for the last 6 months, we have been offered a new loan modification agreement. This modification agreement has worse terms that the last one. Examples of these terms are the interest rate and the length of the modification. 
A. I was told the 11.9 % interest rate would go to 5.57 % for 5 years and then would increase by 1 % until it reached the cap, which is current market interest rate. This was in the preliminary loan mod paperwork. Which my HUD agent and I called to get verification on so we could make an informed decision before sending in the {$1500.00} payment required to start the modification process. However when I received the paperwork to sign and send it back it said the rate was 6.232 % and after the 24 months it would go up it would back to the 11.9 % interest rate. 
B. This new modification is for only 24 months not a permanent resolution to the problem. The last loan mod was a permanent fixed modification. 
3. The new loan modification paperwork I have received says that the balloon payment is no longer required but is unclear if it will come due at the end of the 24 month modification or the end of the loan or if it completely gone. All of these answers have been given to us by several " mortgaging specialists '' at HSBC when we have called to get clarification and none of these answer are put into writing give confirmation of what answer is the correct answer. 
4. Deferred Interest : In the modification agreement I received it claims over XXXX dollars in deferred interest. When asked about this we were not given answer on who authorized and agreed to this. I was told on the Phone with my HUD agent present the last deferment was made in XXXX 2015, which I had no knowledge of, did not ask for at the time, and was not notified of the deferment. HSBC took it upon themselves to do what they wanted without consulting or notifying me about this. 
5. Then all on the same day, my HUD agent was notified I was approved for the loan modification, I was sent the preliminary paper stating that I need to mail the XXXX payment to start the modification process, and they filed for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Reported bank fraud to Chase Bank. Someone wired money from my savings account to an external account that I did not authorize. I reported it to chase the next day, they gave me temporary credit, told me to close my savings account and open a new one. Two weeks later my claim was denied, chase stated the wire was from a recognized device but would not tell me what device was used nor the name to the wire it was being sent to. All the information that was given to me was it was wired to a XXXX XXXX account ending in XXXX. I do not have a XXXX XXXX account nor know anyone that has a an account. I asked chase for the investigation report but they would not provide it for me. The amount wired out of my account was {$940.00} and {$940.00}, during the claim process Chase gave me " temporary credit '' and as soon as they closed the case they took it directly out of my checkings account without warning. After many calls with Chase bank they have not helped me recover anything or have helped me in the proper steps to do so. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Army and Air Force Exchange Service
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent debt validation letters and dispute letters to Military Star Card in regards to a debt of {$990.00}. The Last reporting date and Last date active are inaccurate. I have sent letters on XX/XX/2021 and XX/XX/2021. According to 15 U.S. Code 1679c. A consumer has the right to dispute any inaccurate information found on their credit report. This is having an affect on my report.

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 2019-12-12
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I'm was charged an overdraft fee on a maintenance fee. Charges that day were XXXX check cleared, an overdraft fee on the check, a maintenance fee, an overdraft fee on the maintenance fee.

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 2022-08-16
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Continues to call repeatedly while I am at work. It is bothersome. Has been contacting family members or anyone that knows me. It is embarrassing. The phone number they are calling from is : XXXX as well as numerous other phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX ) Incorrect Name : XXXX XXXX ( XXXX, XXXX, TU ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX XXXX - Opened XX/XX/XXXX Balance. 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 explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply upset about the erroneous items found on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be 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 2015-04-10
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2009 I moved from on post government housing to a new home and transferred my home phone to my new residence. A few months after I started receiving letters from XXXX stating I had a outstanding bill. I explained that my account is still active that I only transferred my line and my account was current. I did n't hear anything else from them reference my bill. About 6 months later I started receiving mail from MIDLAND FUNDING stating they were attempting to collect a debt. I informed them that I still have verizon services and current with my bill. The rep stated that they 're only trying to recover the debt. I asked not to contacted any more about the account and would deal with XXXX myself. I tried several times to get someone at XXXX to find this mysterious bill with no luck. In XX/XX/XXXX I deployed and came back to more letters from MIDLAND FUNDING trying to collect the debt. They said I owed over {$300.00} but was willing to let me settle for a little over {$200.00}. So I gave in and just paid them because I can not allow any negative hits or collection on my report due to the nature of my job. I just recently sat down with my financial planner and on my Experian credit report there is a collection on there from MIDLAND FUNDING which I paid the settlement amount in XX/XX/XXXX. I 'm really upset at the fact that I paid a bill that no one could give me information about. MIDLAND FUNDING is being held accountable for placing this on my report and it does n't reflect that I paid their settlement offer. I tried to do the right thing by contacting XXXX in regards to the debt but no one can answer or find my information. I would like for MIDLAND FUNDING to remove that collection from my report because I do n't believe it was owed and I paid the settlement almost 3 years ago. This is negatively affecting my credit score and can effect my job security. I appreciate any assistance you can provide me. 

RegardsXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
That was offended with XXXX inters if I paid in 6 month. I paid due in this term a the company want that I paid the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
CapitalOne sent me a firm offer of a credit card despite myself being on the FCRA permanent opt out. This has happened several times before and has been reported previously. Clearly they are not be properly checking against the opt out registry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: GA
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:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX/XXXX, XXXX XXXX, XXXX/XXXX, 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 explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 2016-01-29
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received correspondence from Gamache and Myers on XXXX/XXXX/15 stating they are attempting to collect a debt for XXXX XXXX XXXX. Responded via certified letter to G & M requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that G & M has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: MI
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 Account # XXXX, XXXX  XXXX XXXX Account # XXXX, I XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Midwest Recovery Systems
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 an alert from XXXX  about a new collection reporting from Midwest Recovery Systems. They claim the original debt is from a payday loan that I never applied for. I do not have any accounts in collection. XXXX  notified me that my social security number is on the dark web. This collection reporting is illegal & a fraud. There are several reports online where this company has fraudulently reported them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Paypal Holdings, Inc
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I used Paypal to make a purchase that ended up to be fraudulent. Paypal did nothing to help me. I spent well over two hours writing complaints, constantly coming back to read someone who once again did NOT read my complaint, and responded with an answer that had nothing to do with why I was complaining. I BEGGED for a supervisor, but nobody would accommodate me. This last complaint, I pleaded for a supervisor to help. Instead another person comes back to say, you just need to mail back item seller will refund. Oh my, she didn't bother seeing that it was a washer and dryer. I'm done with Paypal, and tried to close this account, but they REFUSED to allow me to leave. I want to file a complaint to close that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On Saturday, XXXX XXXX, 2016 we closed our TD checking account because TD started charging a {$24.00} fee. We were not informed and was never charged a fee before. On XXXX XXXX, 2016 I received an email from TD bank that the biweekly transfer of {$340.00} will be completed in three business days. So we went into the XXXX TD branch and they assured us that the transfer will not happen, that the transfer was turned off in the TD system. Well on XXXX XXXX, 2016 TD withdrew {$340.00} from our XXXX checking account causing our XXXX account to be over drawn. 
On XXXX XXXX, 2016 I just got another email from TD Bank that another transfer in the amount of {$340.00} will occur on XXXX XXXX, 2016. TD will now have {$690.00} of our money that we need for paying bills. This is outrageous. We have had so many problems with this bank, they should be fined for all the money they have taken from our account. Where is our money. Why does TD not realize that our account is closed. By the end of this week we will be out {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Rec letter fr Midland Credit re : XXXX saying I had a balance of {$700.00} in a debt collection acct that could be settled for {$420.00} if I paid now. According to a call I made to, XXXX XXXX XXXX XXXX this was for a 2008 acct. MCM acct XXXX. Orig acct XXXX. 
I 'm do not owe this. I currently have XXXX accts with XXXX that are current, I have contacted my local XXXX store, but not much help. This may be a scam. Please, I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: TN
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:
Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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