BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
We have started a call log with Midland Crdit Agency, calls received from the agency are ongoing..my husband has no idea what debit they are referencing because they are collecting on debt XXXX yrs ago. On XX/XX/XXXX calls started at XXXX, XXXX XXXX am, XXXX, XXXX each time I explained he works during the day & I have XXXX to please call after XXXX.XX/XX/XXXX XXXX, XXXX- which my husband answered the phone and he told them he would get back to them on Monday because we are working w/a debt consolidation company then @ XXXX the same guy he spoke with XXXX XXXX called again from Midland Crdit agency & my husband explained he already talk to him, enough of the harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Good afternoon, Today I received repeated calls on my landline and the phone is not even registered to my name. I noticed it was an ( XXXX ) number so I figured it was not important. I decided to pick up on the 4th time and they asked for me by name. I lied and asked to take a message. The person on the other end of the phone said it was medical information that could only be discussed with the person they were trying to reach and asked me to note the callback number. I looked it up and it was Midland Credit Management ( XXXX ) XXXX and in researching them, it appears they have a history of illegal and/or unethical practices. Can you explain my rights and how to handle this situation? Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: PA
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 my XXXX account in XX/XX/2021 because the account is too old to remain on my credit report. It has been 7 years since date of first delinquency. I received an email stating the investigation was completed, however when I followed the link to check the dispute results, nothing had changed. There was a box that said " Here are the results.. '' and nothing was listed as changed.

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX I sent Transunion a letter because they had an incorrect name on my credit file along with other major problems which were affecting my credit. I requested they make the necessary changed to the information they use in determining a credit score. After pulling a new credit report in XX/XX/2020 I noticed they had completely disregarded my request to remove a name that is not my name from showing on my report. These companies are aware that they hold a persons financial future in their hands and so far they have shown they don't have the integrity to be in that business.

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 2015-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus Experion, XXXX, and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was paid in XXXX/XXXX/2016 to medical office. Now I am receiving letters from a collection agency called Transworld Systems , Inc. TSI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX, I applied for a Union Bank Platinum Visa Credit Card, and received an immediate approval ( " Congratulations! Your application for the Non Rewards Card has been approved. You have been assigned a credit limit of {$10000.00} '' ). As part of the application, Union Bank asked if I " would like to request a Balance Transfer to your new Union Bank Credit Card '', which I agreed to. On that day, MUFG UNION BANK NA began reporting the new account to the credit agencies. 

On XXXX, I received a letter dated XXXX confirming that my " application has been approved. Your new card should arrive in the mail within the next seven business days ''. Also on XXXX, I received a new credit card. The account number ends in XXXX. 

I tried to activate my card online following the provided instructions, but the website would not let me due to an error. I called Union Bank for assistance, and I was informed that my account had been closed due to a suspicion of fraud linked with a balance transfer request. 

I was surprised by this for several reasons : 1. Union Bank had specifically advertised this credit card as having a " Low INTRO APR ON PURCHASES AND BALANCE TRANSFERS ''. 
2. The balance transfer request submitted as part of the application process. 
3. I received two confirmations that my application had been approved ( instantly after the application was submitted on XXXX, and in writing by a letter dated 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 2015-05-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I refinanced my mortgage on my home in XX/XX/XXXX. The mortgage lender, XXXX XXXX XXXX, claims to have " accidentally '' reported me as " deceased '' when they closed out my old loan. In XX/XX/XXXX, I was denied a car loan because of this issue, as my bank was unable to pull a credit score through Experian. I filed a dispute with Experian, and with XXXX XXXX XXXX. XXXX XXXX XXXX confirmed it was a clerical error, and reported as such to Experian. Experian made a note, to themselves in their own systems, which they do not share with the bank, that this was a clerical error. However, XXXX XXXX XXXX did not update the file, and continued to automatically report me as deceased, despite having confirmed to Experian in writing that this was a clerical error. In XX/XX/XXXX, I had assumed this issue had been long resolved, but I again was denied a car loan, and I again filed disputes with both XXXX XXXX XXXX and Experian. My credit report, under XXXX XXXX XXXX, XXXX, continues to list me as " Deceased ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I deposited check for {$100000.00} from my XXXX XXXX XXXX  to my checking account at Bank of America - Bank of America tells me that funds not available until XX/XX/2021 On XX/XX/2021 I found out the funds were taken from XXXX XXXX XXXX!!! 

Where is my money and why not available until the XXXX? 1? 1 pls help - this is not acceptable

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 2016-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The following have been all removed from other credit reports, but Experian still has not removed them : 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 2016-03-30
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have worked for the same employer and have recently become XXXX and I am collecting Social Security XXXX. I have been denied loan modification on 5 occasions since XXXX 2015. The 1st because I was current with my payments and was told I needed to be 3 months behind to qualify. 2nd, after falling behind 3 months denied due to NOT being current. The 3rd denial was due to " not making trial payments on a internal modification offer. '' The modification offer was on the last XXXX pages of a booklet which instructed me to fill out firms which were already received by the mortgage company. There was no reference to any modification being included in the packet. I did not thoroughly read through the entire packet and resent the forms that I previously sent, which were the same forms the packet requested. After sending the firms, again, I followed up, and to my surprise, was told about the " modification offer ''. I went through the packet and found it on the last XXXX pages. The offer was the same interest rate and the mortgage being extended to 40 years. Although I was in financial difficulty, the offer would have saved a minimal amount of money and I felt it would only hurt my situation in the long run, knowing my XXXX. I called to discuss with my assigned rep. ( Whose name I have ), and was told I did have to accept the modification offer and by not accepting, it would allow my loan to be reviewed again for other, more helpful, modification offers. Within a week, I received a notice that I was denied for " not making the trial modification payments. '' After the 3rd denial, each time I was asked for the same documents multiple times. Each time I sent documents, through email, fax, and USPS. I have proof that all documents were received, including a documents from my account page on the mortgage company website, that states all forms required were received and the modification was being reviewed. 
I knew I was being pushed aside by the mortgage company, that for some reason was working very hard to not help me with the modification but I thought at some point they would have to make me a offer if I hung in there and kept giving them what they were asking for. After the 5th denial in 1 year and do n't know where to turn. I have a wife and XXXX children and have drained my savings and feel my hands are tied. I have always worked and provided for my family. I feel the modification were being encouraged for people in my situation, if not who would they possibly be for. 
I would greatly appreciate any help you can offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from a relative stating I had an threatening phone call from XXXX XXXX. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in XXXX days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since XXXX. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loan was transferred to University Account Service, LLC from XXXX. However, University Account Service is not reporting my payments to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a mortgage with HSBC to buy my home XX/XX/XXXX.all payments I make electronically from my bank account.it always shows the date withdrawn, the date received and a confirmation number.back around XX/XX/XXXX HSBC wrote me and stated I should start sending my mortgage payments to XXXX XXXX.I started paying XXXX XXXX electronically from my bank account.XXXX has been sporadically reporting me late to the credit bureau even though they receive these payments on time. I contacted them and was told that HSBC and XXXX are the same company and that they are very busy but it will be straightened out.They have done nothing to correct this error.HSBC has been taking my mortgage payments for 5 years hold them and then reporting them late. I believe the reason they do this is to damage my credit stopping me from refinancing out of their loan.I am not alone in this practice.there are XXXX 's of compalints online about HSBC and XXXX mortgage. HSBC owns my mortgage.They make me send my payments to XXXX mortgage and then they report me late to the credit bureaus using the name Mortgage service center.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian recently added a collection on my credit report. The collection name is XXXX XXXX XXXX in the amount of {$290.00}. This collection is an old collection that was deleted from my crdit report and now being reported by a different collection company. I never recieved notice about this collection company, I monitor my credit report very closely and I have never even knew they were going to report this on experian. This is the only credit burea they have reported on. This amount is no longer owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX, American Express posted charges on my account of {$1700.00} and XXXX which on our about XXXX XXXX, XXXX communicated would be reversed. These amounts were not reversed and I had a significant credit balance on my account which remains over {$100000.00}. The account is closed and I have been regularly following up on the reversal. Each time the representative has indicated they need to do further research and I needed to be patient. I have spent more than 20 hours in the last 60 days on hold while waiting for resolution and working with multiple supervisors to pull the recordings in order to reverse the charges. I received a good faith credit of {$500.00} so the remaining credit outstanding is {$2100.00}. American Express has held my personal funds more than 8 months and the credit balance is greater than {$100000.00}. They will not resolve the reversal of the fees and continues to hold my credit balance. They indicated on multiple occasions they need to investigate but they never follow through. They indicate they will call me back but they do not. I have several supervisors names and extensions who are researching. They are extremely apologetic on the phone and express the empathy for my status but do not resolve. My credit score is greater than XXXX and I pay my bills monthly in entirely. I do not have any interest charges on any credit for more than 20 years so this Amex Charge is completely unfounded. 
After spending 4 months contacting Amex regularly, I have no confidence this will go for many more months. There is no incentive for them to resolve my account. I have cancelled all cards with American Express because of this experience. 
How do I get to the right team member in AMEX to complete the reversal of the inaccurate charges on my account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a Student Credit Card XXXX when I had turned XXXX and at that time attended XXXX University in XXXX as a full-time student and working only part-time and XXXX XXXX knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX XXXX full-time while working only part-time until XX/XX/XXXX when I relocated to Arizona for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told XXXX XXXX this at the time. Never got a response. To date, I had never received any correspondence from XXXX XXXX other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from Gurstel Chargo Attorneys at Law threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. XXXX XXXX has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel XXXX along with their attorneys Gurstel Chargo of XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. XXXX XXXX has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
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:
I have contacted Experian by phone on several occasions to ask that the hard inquires on XX/XX/XXXX & XXXX 2020 be considered as one. I was looking for a mortgage. I even told them what I found on your website : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately. 
At least one of the mortgage companies said this is not uncommon with Experian

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 2016-02-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a debt that is past the statute of limitations listed on my personal credit file. I have brought this to the attention of Equifax several times with no outcome. Please help assist me the account is XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief