BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hi, I would like to file a formal complaint against Experian due to their inability to fix an error in their system that prevents my credit score from appearing. 
To give some background information, last year around this time I moved to XXXX, IL and I applied for apartment. To my surprise there was an error and I had to pull up my credit score information to send to them. I checked all XXXX on XXXX and I also received an error from experian, but was able to pull my information from the other XXXX reports. I did n't think anything of it and the apartment company was able to accept what I had submitted from the other reports. 
This year I decided to move to a different apartment complex in XXXX and the same thing happened again. I went online and tried to pull up my credit through their website and it would error out when it was processing every time I hit submit. This time I knew there was an issue and I decided to call them to figure it out. I called the automated system and received an error and was given the run around when I tried to find an option to speak with a representative. I managed to find a number for their customer service for people that was n't to sign up for their services. After speaking with XXXX different representatives including a supervisor, they all gave me the same generic answer that they would n't be able to assist and I would have to call the other number. I told them I called that number and that I was unable to talk with anyone since it was all automated and they insisted that I would eventually talk with someone that would be able to help me. They were wrong and I kept calling the number telling me to go online or mail in a form with identification. I went through everything I could online and with no help from anyone over the phone I 'm not sure where to turn. Please if there is anything you can do to help it would be greatly appreciated. I 'm not concerned about my situation so much this year as I am in the future when I would have to have a cosigner for everything when I worked so hard to have an excellent score through the other companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management , Inc. keeps sending me debt collection notices for a XXXX card that has been paid off and when I tried to tall to one of their collection managers they keep insisting the debt is valid and it is not. The account was paid off in full to XXXX 's and I have a copy of the cancelled check. It is also showing up as a derogatory remark on my credit report and they wo n't correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
In XXXX XXXX, I was involved in a collision while operating a rental car from XXXX. I purchased a liability waiver for the car, but failed to get third party/total collision insurance. XXXX cars were considered a total loss. 

On the scene, I was issued a ticket, went to court a few weeks later, and paid the fine. The other party involved was not present at court. 

In XXXX XXXX, I received a letter from XXXX damage recovery unit stating that I was not liable for the damages incurred to the vehicle I was driving. 

In XXXX XXXX, I receive a collections notice from XXXX XXXX XXXX in an attempt to collect {$25000.00}. When I inquired about the charge I was informed that the other individual in the accident settled with XXXX, and because I did not purchase the total liability waiver, XXXX did not have to engage me in conversation regarding negotiating the settlement amount. They also stated that the only breakdown they needed to provide me was that the individual was paid {$2500.00} for his XXXX XXXX XXXX and {$23000.00} in personal injuries. 

I could have hired a lawyer to represent me and negotiate the claim. 

When I asked why the notice went straight to collections, XXXX stated they sent me a letter and because I failed to respond within 30 days they sent it to collections. When I asked if they had proof of delivery or proof that the letter was mailed out, they said they did not need to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage with HSBC for 10 years discharged from BK in XXXX. HSBC sold mortgage to XXXX XX/XX/2015 but stopped recording my mortgage payments in XXXX 2015. XXXX says XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015 payments not made even though I have provided proof from bank. HSBC needs to acknowledge where and who received the mortgage money and rectify this with XXXX. Also negative remarks on my credit have been reported and threats of foreclosure even though I have made every month payment! I have sent a letter to HSBC with no response and have tried to discuss this with XXXX with no results still insisting I owe these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/2022 requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX  XXXX ) is reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous account and have it corrected. 

XXXX XXXX  XXXX Late Dates 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 2022-11-15
Company: Google Compare Credit Cards Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I added XXXX $ to my Google play store credit. Google then decided to freeze my payment profile and not allow me to spend the money just added. After man emails and chats with Google they still refuse to let me spent my money I put on the account, exact balance {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

The credit reporting agencies continue to verify information on my credit report without consent. They have reported back that the account has been verified numerous times without providing the method of verification or providing an investigative consumer report. This leads me to believe these agencies are only pushing my documents through an E-Oscar machine and not taking reasonable procedures and verifying them accurately as they should pursuant to 15 USC 1681 ( b ) These agencies continue to furnish this specific extension of credit which is a direct violation of 15 USC 1681 ( a ) ( 2 ) ( B ). I the consumer also never gave written instruction to any of these agencies to furnish this alleged debt, and until these agencies can provide a certified document showing written authorization from I the consumer, each agency is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) and will be held liable for all violations committed against the I, the natural person. 

I have demanded a method of verification via certified mail w/ return receipt as of XX/XX/2022. 2 out of 3 of agencies have received the document and another is in transit as of XX/XX/2022 via U.S Postal Service. The continuation of furnishing this negative information without the method of verification or certified written consent from I the consumer, constitutes aggravated identity theft by each agency pursuant to 18 USC 1028A. I have CC 'd the Consumer Financial Protection Bureau and the Federal Trade Commission in each document to ensure each company takes proper procedures in doing their due diligence and to maintain fair and accurate reporting. 

The continuation of furnishing inaccurate information has withheld me from obtaining credit for my personal, family and household needs. I have worked tremendously hard to maintain a high credit score, and these agencies continue to ruin my reputation by reporting this inaccurate information.

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 2022-07-27
Company: BANKERS HEALTHCARE GROUP LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was provided two different predatory loans to me at two different times. One in XXXX and the other in XXXX. I was unable to pay for the loans due to income issues and asked originally for a modification. I was denied and then had to default on the loans. Finally when I applied for a modification and deferral of payments, we came to an agreement of a fixed amount for the the next 6 months to start at the end of XXXX ( next month ). I have the documents. Well they decided to start taking ACH withdrawals out today in the full amount of the loans and took out twice the agreed upon amount leaving me with no money right before pay day. Not only are they in breach of contract but they are also in breach of fair lending laws from the original contract. This company is fraudulent in their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. These items ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous items and have it corrected. 

XXXXXXXX XXXX XXXXXXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX, XXXX  Inquiry Date 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 2020-01-02
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Confusing or Missing disclosures /did not receive notice of right to dispute. Coupled with the fact that the loans are over 10 years old for one and the other two are 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid off the account in full, to original creditor XXXX, as was turn over to collection agency, so I disputed the to all credit bureau that I do n't own any money, requested to have those collection agency removed, during investigation result that collection agency said I still own money as it MCM Midland Credit Management , Inc . I send them a copy of my on line banking payments proof from Credit Union which I made electronically payments, as printout so clear and legal documents from my credit union payment transactions, as it was n't good enough for them no matter it statement as proof. so send them another copy hope it to right person to contact the original creditor to verifies payments posted to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, 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 2020-08-04
Company: Debt Recovery Solutions, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I agreed to pay a settlement to XXXX XXXX XXXX for two different accounts XXXX and XXXX XXXX who my debt originated with. Also paid Debt Recovery Solution, LLL and XXXX XXXX XXXX. I was told it would update and be removed from my credit report. I would like to see this done asap. These collection are hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I have been trying to get an answer to a simple question for 6 months now : can we get a PACE loan from the county without defaulting our existing loan? 

XXXX different customer service reps have all promised resolutions with a week but none have delivered any results. Requests directly to the loan agent, " special loans '' department, and the loan information mailing address have all been completely ignored. 

This is a simple yes or no question that apparently nobody knows the answer to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
On Sunday, XX/XX/XXXX I received a electronic notice from XXXX - a money management software program, that my American Express Credit Card APR interest rate went up by 15.00 % without any warning or notice and without cause. I have had low 10.25 % APR on purchases for many many years without any issues and now I am slammed with a 25.24 % purchase APR without any reason. I have a clean credit history, no late payment, and very high credit scores! I have been with American Express since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was called to the office by my XXXX. I was advised that I needed to contact this company to avoid Legal Court Papers being served at my place of employment. To avoid this legal action I needed to contact their office. When I contacted to avoid this harassment they indicated they wanted to settle to avoid taking legal actions against me. 

This credit card is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: MA
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:
Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2020-08-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, 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 2017-02-21
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Citibank enrolled my XXXX year old mom and I in their Credit Safeguard without her consent. We have been unwittingly paying the monthly premium for years. When I read about the settlement with CFPB I requested a refund. Though they were aware they owed a refund they did nothing until our request. It took over 30 days to provide a response. They indicated that we were due a refund of {$3000.00} in a letter dated XXXX/XXXX/XXXX and they had issued a refund credit that would appear on the account within two billing periods. I called them in XXXX and was told that it would appear on the next bill. In the interim I have been making scheduled monthly payments. On XXXX/XXXX/XXXX I received my XXXX statement and the credit has still not appeared. I called Citibank for the third time on XXXX/XXXX/XXXX and was given the run around again. The credit monitoring department said they could only " email an escalation '' to the refund department but they could not speak with anyone. A response could take " up to 30 days '' AGAIN. I spoke with a supervisor and got the same response. I was then transferred to " customer service '' XXXX said the credit would be on my " next month bill ''. We are talking about XXXX now and all I have is another hollow promise that the credit is on the way and there is NOTHING ELSE that can be done. In the meantime I am still being charged interest on the amount that should have been credited. This seems unethical at best if not fraudulent to delay a credit this amount of time. Please help!

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