BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: TX
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 have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  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 2017-05-03
Company: Rodenburg LLP
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
WE (  XXXX   XXXX  AND  XXXX   XXXX   )  had come to a agreed settlement regarding my wife 's credit card that charged off 3 years ago. I held up our part of the agreement in which I sent back the original paper work mailed to us that my wife had to sign and sent back to rodenburg law firm certified mail next day. them once I had confirmation that they received the letter, I went to there web site and made {$2000.00} payment through our joint checking account. then after it cleared in  24  hours, I started calling them  XXXX  asking when they were going to file there paper work with the clerk of courts here in   XXXX   XXXX   stating the matter had been settled. each time I got the run around and was told " another department handles that ''. finally I called the morning of  XXXX , the day this matter was set for trial at  XXXX . Spoke to a rep named  XXXX  explained to him I just spoke to   XXXX   XXXX   courts and they have yet to receive there paper work that " you were spose to file with the   XXXX   XXXX   courts ''.  XXXX  tried telling me that the " other dept handles that " I then asked to speak with a supervisor,  XXXX  tried to transfer me to a supervisor who he said " wont be in the office till tomarrow ''. I asked several times to speak with someone in charge today, right now. he refused, and kept trying to send me to the supervisors phone who was not in the office today. finally  XXXX  hund up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have a second mortgage with Household Finance Corporation, HSBC Group. Not only do we have a high interest rate of 6.979 %, but we also found out that there is " deferred interest '' with a balance of {$8900.00}. We have been paying on this second mortgage for about 15 years maybe more, and I believe also our original second mortgage was about {$65000.00}. I have called HSBC on numerous occasions and can not seem to get a straight forward, logical or understandable explanation of this high added " deferred interest ''. They called this a " simple interest '' loan, but their explanation of it is anything but simple. Please help me to understand this because with this " deferred '' interest added on, our interest rate over the past 15 years on an annual basis I feel has been extremely high, especially when the {$8900.00} of the {$65000.00} originally borrowed is about 14 % in addition to the 6.979 % interest rate. We plan on refinancing our first, and adding this second mortgage to it, however, it does n't seem like we have paid off anything at all on the HSBC loan even though we have had it for so long and have paid them at least {$76000.00}. The statements they send us are quite vague as well. It includes no original mortgage amount, date or breakdown of the fees and " deferred '' interest and no one there can seem to explain it to me in consumer friendly terms. There is also a {$330.00} " Outstanding Fees and Charges '' that I have not been given an explanation or breakdown of as to when they occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
During XXXX XXXX, Midland Funding c/o Encore Capital sued me in court and received a default judgment against me. At the time of suit, I failed to respond as I was going through a tough time in life and felt helpless. Now moving to present time, I recently read that as of XXXX XXXX, Midland 's collection tactics have received extreme scrutiny from the CFPB based on their use of robo affidavits and the failure to appropriately and thoroughly validate alleged debts. It seems as though with the CPFB recent ruling and consent order, my case does meet several criteria indicating that the judgment should be vacated. Back to the past, prior to the issuance of the judgment I did request that Midland validate the debt which failed to do so in full and even made it seem as I was the one that had to provide the documentation. I continue to dispute the balance from Midland for the following reasons, the balance is inaccurate, statements in Midland 's affidavit were auto produced and without merit, and a lack of paper trail concerning ownership of the alleged debt has and continues to not be provided. Additionally, on or around XXXX XXXX, XXXX, I received a letter from Midland Funding 's local representation regarding a notice of settlement for the judgment. Included with the notice was an erroneous statement that stated " This communication is an attempt to a debt collect by a debt collector ''. What does that even mean? To me it just seems further attempts to violate consumer rights and either toe or outright step over FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
American Express unexpectedly lowered my account limit from {$10000.00} to {$6200.00}. When I called and requested further information, they stated that a periodic review had encouraged the decrease, due to my " balance-to-payment '' ratio. However, I believe this is a fair lending violation. I previously held an American Express credit card with my former-boyfriend ; he was the main account holder. Throughout his tenure as a card holder, his credit limit was never decreased, it was, in fact, increased, despite his high balance and minimal monthly payments. With his consent, I accessed his account today and found that, even though his balance was over {$8000.00} and he has only been making the minimum monthly payments, his credit limit had not decreased and had, in fact, been increased on a separate American Express card, on which he also carries a high balance and makes minimum monthly payments. As a female who makes more money than my former male counterpart, I am outraged that my credit limit was decreased, despite a lower balance and larger monthly payments. I believe this is a clear example of discrimination against females.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: TX
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 have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
my wife made a payment to midland co. in agreement to settle a debt, for a one time lump sum payment of approximately half the total amount of said amount by debt collector. Midland Co. they agreed to settle the debt for {$600.00} dollars, as a one time lump sum payment! My wife paid the agreed amount, then Midland did not Honor their agreement! They lied and continue to harass us daily!!!! Thank you for your time & consideration. RESPECTFULLY SUBMITTED XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Florida Department XXXX is accusing me of working and collecting unemployment which is not correct. I was not employed at the time I was collecting unemployment. 

They have me as working with XXXX life insurance which is nor accurate. I am employed XXXX currently but that did not start until XXXX/XXXX/2015. 

When I collected this last payment I was not employed by anyone. This debt collection should cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is fraudulently and vindictively punishing those who have filed CFPB complaints against Experian.     Every time I want to temporarily remove a security freeze ( or perform virtually any other type of online function ), Experian refuses with the lue they can not verify my identity. They then insist that I have to use the mail to submit my request and great delay and inconvenience. They do this as retribution for previously filed CFPB complaints against them.     When requesting a temporary lifting of a credit freeze, I correctly and precisely enter my PIN and other identifying data. I enter my address exactly as it appears on a recent Experian credit report I have in hand. Each time, Experian refuses to unfreeze my credit file because, they lie, they are unable to confirm my identity.     Experian then suggests I pay them {$25.00} per month for their credit monitoring and credit lock service. When I enter the exact same personal information and pay them {$25.00}, they can then miraculously immediately confirm my identity.

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 2021-12-20
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
Yes I messaged Navy federal about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have been disputing a bankruptcy with Equifax that has been dismissed. Recently, I got a response that the bankruptcy is not reporting on my Equifax report so I got excited. But I logged in to my Equifax report today, but surprisingly the bankruptcy is still on there! This is absolutely false reporting and dispute results as well as devastating!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several certified letters was sent to this company in  XXXX     2017 wi th no response. I was never contacted or signed anything to release my medical information to this company. This is a Hipaa violation according to law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Lending Club Corp
State: GA
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:
I refinanced my home in order to use the equity to pay off debt. My due date with Lending Club was XX/XX/XXXX. There is a 15 day grace period. My mortgage refinance didn't close until XX/XX/XXXX. The Mortgage company sent me checks which were already made out to my creditors, including Lending Club. I received the checks on XXXX XXXX and put them in the mail that day. ( With excitement, I might add. ) All my creditors except for Lending Club posted the payment to my account on XXXX XXXX. 

Lending Club claims that they post payments when they receive them. However, they did NOT post the payment to my account until XX/XX/XXXX. Then they reported me over 30 days late to the credit bureaus. The check they received is even dated XXXX XXXX. There is no way it took them 2 weeks to receive the check. Their delay in posting the payment resulted in me being reported 30 days late. This is the epitome of unfair. I called them to ask that they fix this error. The claim they did not err. So in affect, if you are 20 days late with Lending Club, they will report you as 30 days late after they dawdle with your payment. They have the envelope that the payment arrived in which shows the post mark arriving to them in XXXX. Not XXXX. 

Look at the uploaded examples of some of the other check recipients. They show that they were all able to post the payment on XX/XX/XXXX. The checks were ALL mailed at the same moment. No way did Lending Club NOT get their check on the same day the others did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting multiple Social Security numbers to my credit file ( XXXX that are not mine ) and addresses ( California addresses ) that does not belong to me. Also, they are reporting XXXX trade-lines for the same collection debt. They are reporting XXXX Disputes ( XXXX Bank ) for {$16.00}, XXXX and XXXX for {$16.00}, XXXX which are the same debt as XXXX Bank sold it to XXXX. This is deceptive and fraudulent practice as it makes it looks like I have XXXX bad debts when someone is looking at my credit file when it is indeed XXXX debt. I wish for XXXX of them to be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: GA
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:
I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know Equifax and and   XXXX   has been in the news for some deceitful credit score numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have found fraudulent accounts in my report :  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 explanation
Consumer complaint received 2017-05-03
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Gold Key Credit , Inc. is attempting to collect debts already discharged i n Bankruptcy i n 2013   . The Debt collection company fraudulently changed the dates of the debts and have reported the debts as outstanding to the credit bureaus  (    XXXX   XXXX   XXXX   ) as current accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: Credit Plus Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a hard inquiry on my XXXX Credit Report by CREDIT PLUS. I do n't recall requesting Credit from Credit Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: AMERICAN HONDA FINANCE CORP
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I XXXX XXXX, phone number:XXXX, address : XXXX XXXX XXXX XXXX XXXX, AR XXXX, purchased an ATV in XX/XX/XXXX through American Honda Finance ( Account XXXX XXXX ), I had 100 % on time payments until my spouse was laid off from the oil field and we were forced to file a Chapter XXXX Bankruptcy. This loan was fully discharged and included with our bankruptcy that was finalized and reported to the credit bureas on XX/XX/XXXX. We recently tried to apply for a refinance loan on a different auto loan, and since the bankruptcy our payment history has been 100 %. The loan officer called and said that the credit bureas were showing that we were 60 days late on this ATV loan and that it was showing open and active. We have not even had the ATV since XX/XX/XXXX, not just that but after 2 years now they are reporting it is an active account and reporting delinquency in payment history. This was written off and we did NOT reaffirm loan, So I 'm not sure why they chose to start reporting this invalid loan all of a sudden 2 months ago. This is very frustrated for someone who is trying to rebuild and doing everything right. I need this off my credit ASAP. Any help to do so would be greatly appreciated. As you can seen on the documents I have sent that everything stated is legitimate. There should be 3 attachment including my original Bankruptcy paperwork that shows this loan was included in Chapter XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
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: Information belongs to someone else

Complaint:
There is account appear on my report without my understanding.    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Account #  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 2017-05-03
Company: Experian Information Solutions 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 have found fraudulent accounts in my 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 non-monetary relief
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: TX
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:
There are many inquiries appear on my report without my permission :   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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
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 demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Nations Recovery Center
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Nations Recovery Center in XXXX XXXX in regard to a debt that was charged off in XXXX. XXXX XXXX called saying that he was collecting this debt and that I need to pay the entire debt of {$7400.00}. 

I requested supporting documentation to prove his firms right to collect the debt. 

2 weeks passed and after my receipt of supporting documents to prove he had any right to collect the debt, he again contacted me. We had come to a verbal agreement of {$3200.00} and he was to email me a settlement letter to sign with that amount. 

2 weeks passed and instead of receiving the settlement letter from XXXX XXXX, I receive an emailed settlement letter from XXXX XXXX and a XXXX XXXX CC'ed. It 's for {$5200.00} I feel the false statements by all parties named has caused a real problem. I am not sure who to believe or whether this is a real company. They may have the same dotcom but all contacts have different phone numbers and none seem to know what either is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief