BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have already submitted earlier today a complaint ( # XXXX & # XXXX ) regarding XXXX XXXX XXXX. I wanted to make sure to include the other company in which he spoke of TD Bank, however, did not release an amount. Initially he stated that the total sum included both companies XXXX and TD Bank, but when sending information per my request, it listed XXXX only for the full amount. I was misled by them verbally, and nothing has been sent regarding TD Bank in which he mentioned. I 'm believing that he intentionally withheld information so he can do a second judgment in which he will continue to harass me. I 'm not denying owing either company, however, I am disputing the amount of XXXX and I have no idea of the amount he will be claiming from TD Bank. I 'm attaching more supportive documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 so this is IDENTITY THEFT! 

ACCOUNTS 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 2016-08-15
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XXXX XXXX would like to have me go through a financial review, which they claim is a verification of an individual 's income to see if it can support provided credit limits, but the process is NOT a legitimate verification of income and is discriminatory since it is NOT consistent from one customer to another. 

The process is not a legitimate verification of income because they are only checking income reported on my XXXX tax return. In my case, I received a raise in XXXX, which in theory should support higher credit limits, but XXXX XXXX wo n't see that raise because they are trying to use last year 's tax forms to verify income, which is old information. 

At best, tax forms prove income from previous years, NOT current income. Somebody could have received a raise, demotion, or even lost their job after XXXX XXXX of the current year and based on XXXX XXXX ' method of income verification, they would never see any of these changes in income. 

The process is NOT consistent between customers, which means it 's discriminatory. I 'm being asked to provide my XXXX tax forms, but other people get an opportunity to provide pay stubs, current bank statements, or a conference call between customer service at the customer 's bank and XXXX XXXX. I 'm going to unfairly receive a lower credit limit because XXXX XXXX is trying to verify my income based on old information. If I was able to provide more recent financial data, like my pay stub, I 'd receive a fairer verification of my income, as the pay stub would be much more recent than my XXXX taxes and display my raise. I also started a business in XXXX and have income from that, which wo n't appear on my XXXX tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
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 2005 I opened and account with Household Financial. I borrowed {$5000.00} from them. Year to date I have paid them approximately {$14000.00} back and they are constantly reopening my case suing me for what they are calling interest. I have paid back three times the money I owed with a case that is over 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I use AMEX serve for transactions as I receive direct deposit on this card. Got into car accident and company XXXX XXXX XXXX had me pay {$400.00} deposit until they received payment information from insurance company ( XXXX XXXX ), well the insurance company paid XXXX XXXX XXXX after they sent them an invoice saying they refunded me the deposit.called XXXX auto and they kept giving me the runaround so I filed a dispute with AMEX Serve ... I sent them email from insurance company confirming amount paid, receipt where they lied stating they refunded me the money. I have yet to get my money back, finally XXXX calls me back and states they would had given me a cash refund but AMEX serve completed a charge back on XXXX XXXX, I really need my money back it 's unfair that no one is giving me my money back even after charge back was completed. Can someone please let me know when I will be receiving my money? that rental has been returned on XX/XX/XXXX its been over a month. XXXX will not give me my refund now that the chargeback has occurred and I have not heard from Amex Serve in regards to the process. I just want my money not even a provisional credit was given and I have been a customer for a long time with continuous direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: GREAT LAKES
State: CO
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:
This complaint concerns a private student loan held by XXXX and serviced by Great Lakes. I began paying on this student loan in XXXX XXXX. From XXXX XXXX to XXXX XXXX I made every payment and additional payments worth about {$5500.00}. I made additional payments because of my plans to get a XXXX ; by making payments ahead I hoped to avoid making payments while enrolled as a XXXX student. Before describing the substance of this complaint I note that I had another student loan which I paid entirely during the XXXX period. I was scheduled to begin graduate school in XXXX XXXX. 
In late XXXX I called Great Lakes to ask about deferment. In particular I wanted to know if my best option was to go onto deferment or wait until the time in which I was paid ahead ( at this point, about XXXX years ) was over and then go on deferment. I explained that I was enrolling in graduate school and wanted to avoid payments if at all possible. 
The customer service rep explained that I should go on deferment and any period in which I was paid ahead would simply be begin at the end of my deferment period. In other words, after deferment I would still have roughly XXXX years in which no payments were required. 
In XXXX of XXXX Great Lakes informed me that I was out of deferment and I would have to resume making payments ; they explained to me that the payment clock resets after deferment and any time in which I was paid ahead is nullified because of the deferment. The customer service rep I spoke to in XXXX had apparently provided me with bad information ; I had been told my " paid ahead '' period would begin after my deferment ended but now, according to representatives at Great Lakes, this is not the case. 
I am in the curious position of being paid several years ahead on a loan yet simultaneously having monthly payments. Because I am still a XXXX student I struggle to make the monthly payments ( I should be done within XXXX months to a year ). 
I feel that this situation is largely the fault of Great Lakes. I was told bad information by a customer service representative in XXXX the thousands of dollars that I paid ahead have all but vanished now. 
Great Lakes has been non-responsive to my requests. I have been unable to contact anyone in the company besides front-line employees. I believe that because I am paid ahead on my loan by XXXX dollars, and because Great Lakes has given me bad information, I should be given a period of time in which I do n't have to make payments or perhaps I can make reduced payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were trying to make a payment and catch up on missed payments to XXXX XXXX XXXX, and they refused to accept payment, claiming they were working on a modification. We then faxed numerous amounts of documented data, which they then proceed to " claim '' there was no received faxes. They then came through with an unaffordable payment plan the following 2 months. This all took place during the end of XX/XX/XXXX and the plan was given to us in XX/XX/XXXX, we then proceeded to let the law group help us to deal with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today XX/XX/2021 I recived a call from a collector i answers and told them that the debt is not correct due to I do not have any copay or out of network balance she was berry nasty and told me that I do not know what I am talking about and that will be in my credit and I dont worry about my credit after repeating my self that the bill is wrong she still continue to act in a bad manner and yelling and hang up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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:
XXXX  and Experian are fraudulent on my accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX/XXXX  is fraudulent on my credit 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 2015-11-25
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a XXXX year old woman suffering from XXXX XXXX. MCM has made repeated phone calls to me collect a debt of my daughter-in-law. these calls continued despite the fact that my daughter-in-law has never lived with me nor used my phone. I gave MCM that information each time they called. as a result of MCM 's cruel tactics I have suffered severe mental distress. every time the phone rang I was overwhelmed with anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
American Express has removed XXXX reward points from my account without explanation and refused to give me any information on why they have done this and what I can do about it. I registered a complaint with them about this and disputed the {$450.00} fee they charged me for signing up for the card and the XXXX point bonus, but they have closed the investigation without further information on the status of the points. As things stand, this is classic bait-and-switch, in that they enticed me with the reward points and then withdrew them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2022-08-29
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:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2017-09-10
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: Account information incorrect

Complaint:
I have been disputed this account information two many times and the wrong information never get fix it, this account have been discharged after bankruptcy chapter XXXX case # XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NAME : 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 2022-05-24
Company: Genesis FS Card Services, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an Indigo credit that I didn't apply for, I called the company and informed them that I didn't apply for the card and that I wanted them to close it. They said that it would be closed, so I sherried the card. so yesterday when I was trying to get my credit score I noticed that it had changed from XXXX to XXXX. So I pulled up my report and, the Indigo card was there. So I tried to call them three times, but all I got was a recording, that cut off after stating that my account was going to be sold. So at this point all I want is for it to be fixed. This is the phone number I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I called XXXX in XXXX XXXX to have my credit limit capped at {$2500.00}. The representative told me this was done and the most that could be charged on the card is {$2500.00}. The limit however was never changed and remained {$10000.00}. My son was an authorized user and charged {$10000.00} on this card. I called XXXX several times as they record all the conversations with representatives. I spoke with XXXX supervisors and a team leader and no one got back to me about the telephone conversation in XXXX All this is noted on my account in their system. I am not disputing the charges, although this would never have happened if they did as I instructed. XXXX supervisor, XXXX who is located in XXXX, said she would listen to the tape and get back to me. she never did. I called two more times and no one would tell me what I was when I called back in XXXX XXXX. I am seeking a reimbursement of interest charges totaling {$1000.00}. All the interest that was charged after I called them to reduce the credit limit. I closed the account by paying off the balance of approx. {$9800.00} on XXXX/XXXX/XXXX conf XXXX to stop the interest from accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested verification from XXXX XXXX for an account they sent to collections they can not validate account or anything signed with my sig stating account is mine acct was sent to midland funding and they will not remove accout after they failed to vailidate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 3 FTC report with inquiries I did not authorize

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 2022-05-24
Company: Experian Information Solutions Inc.
State: PA
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:
On XXXX I received a text alert from Experian providing a one time passcode for me to log into the experian website. I did not try to log in to experian, and so someone was trying to do so and the dual factor authentication of sending a passcode to my cell was enacted. Moments later, I received a notification from XXXX XXXX, the identity theft protection service I use, saying a new alert showed that I had started a process with XXXX XXXX XXXX checking my credit. Again, I had not started a process with Experian or with XXXX. As I had frozen my credit with all 3 bureaus in the past, I was not overly worried. However, when I went to the experian website to actually use my username and password to check this suspicious activity, I soon learned that who ever hacked me was able to change my account to a different email ( ie not mine ) and seems to have been able to reverse the credit freeze I put on the account, and will be receiving emails regarding my credit!. I have been on the phone trying to get to customer service at Exerian for 2 hours, but I can not get through to a live person to explain what is going on. IN the meantime I am working with XXXX XXXX team for ideas on how to manage this, and I am currently on hold with XXXX XXXX to explain to them that my identity may be being used to open a new account with 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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transition is reporting my Dept of Education loans as Chargeoff but the Government paid them because I am a 100 percent totally and permanently XXXX Veteran

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