BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: TRANSWORLD SYSTEMS INC
State: MI
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 became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  30-day and 60-day  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by  XXXX   XXXX   XXXX   XXXX   XXXX  "  XXXX  '' ).     An address change request was sent b y U.S.  Mail to loan  servicer    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  "  XXXX  '' ) on  XXXX   XXXX ,  XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for  XXXX  and  XXXX  of  XXXX  indicating a payment amount due were sent to an invalid address. Thus, no payment was made for thes e two  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     In  XXXX   XXXX , I contacted   XXXX   and   XXXX   regarding this matter seeking adjustments to the report on goodwill grounds and factual accuracy basis. Both companies acted unreasonably in denying the request.  XXXX  even questioned the veracity of my explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: KY
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 found out that Experian, XXXX and XXXX were all reporting 5 late payments from XXXX XXXX XXXX XXXX. 
I notified XXXX XXXX XXXX XXXX and spoke with XXXX. 
XXXX notified all three reporting agencies that there were NO late payments and the information they were reporting was INCORRECT. 
She notified them three different times. Finally in Mid XXXX the late payments were removed by Experian and XXXX at least from what I could see on line. 
Today the 5 late payments are back on my report. I have written to all three reporting agencies at least three different times with NO RESPONSE. 
1. All three have been notified by XXXX XXXX XXXX XXXX that they are reporting inaccurate information. 
2. All three have been notified by me three times in writing that they are reporting inaccurate information 3. This has gone on for well over 30 days with absolutely NO response by any of the credit reporting agencies. 
Really need your 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 explanation
Consumer complaint received 2016-04-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received muliple solicitation type mailings from multiple companies about " possibly '' being sued then this company called me and used threatening tone and verbage about pending litigation. I checked with my county of residence and learned there is nothing filed so the rep was not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I first sent Asset Acceptance a letter in order for them to verify the debt owed and they responded, however the account was past the SOL. 

Since their response, We had agreed to settle the debt in exchange that they will remove the following account from my credit report. However they have not complied with the agreement, and the account remains open and reported as unpaid. I have paid them, and they are saying that it will take __ amount of days to receive a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, It shows in my credit that I owe {$720.00} and it was opened on  XXXX   XXXX . The name of the creditor is called ARS Account Resolution. The second creditor that is charging me money on creditor is charging me {$2200.00} and it was opened  XXXX   XXXX . The creditor 's name s called  XXXX   XXXX   XXXX . I did not take my daughter to the hospital during the months that is shows in my credit reporting. I have been false accused of taking her. Can you please ask them to check the signature of who signed the release medical information? Also, ask them to print me the ID that was used when the person went to the hospital? I do not understand why I am being charging of something I did not do. I just want the creditors to fix this issue they are accusing me of. I hope you can remove these  XXXX  charges out of my credit which are the amounts {$720.00} and {$2200.00}.   Thank you for taking the time to read my complaint.     sincerely,  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 2017-05-02
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On  XXXX   XXXX  I was notified by  Chase v ia phone that there were some large withdrawals from an ATM in  XXXX   XXXX  California, and I am in  XXXX   XXXX  NV. They made  XXXX  separate withdrawals at an ATM  XXXX  for {$500.00} and  XXXX  for {$1300.00}. Once I was notified they turned off my card. They also asked about another transaction that I said I did n't recognize fro m  XXXX   for {$14.00}. I did n't know what that was at the time and it had been happening since  XXXX   XXXX . Since the first transaction happened in  XXXX  they said they are only liable for 60 days. I only reported it once  I    representative on the phone mentioned it to me. Now I am out {$1800.00} and was refunded {$45.00}. I talked to the claims rep who informed me of this and was escalated and was told the same thing. When I asked the escalation representative for someone higher he told me know and would not disclose his full name. He did say he was in the  XXXX . I visited a local branch who got someone on the phone and was told they were going to reopen it for review. I called today and spoke with  XXXX  from escalations and was told the same thing they could not do anything for me. I reported the fraud once they called me on it and I only reported the  XXXX  instance. Since they went back to  XXXX  they have denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. First, Midland Funding LLC tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was told by Social Security that the XXXX had put in a request to take {$160.00} from my check. They told me to contact the XXXX. When I called them I was referred to Transworld System , Inc. In speaking to them 2 months before the deduction was suppose to take place. I told them I needed to make arrangement to pay my student loan at a lower rate because I was not working anymore and I was now on Social Security and I could not afford for them to take this {$160.00} because it would be a hardship for me because I was on a fixed income and I was a senior. They told me if I went into their program for the Student loan, this will stop them from taking money. I signed all the papers to go into the program for 9months. They would take {$5.00} a month for 9 months and I would move out of default status and continue paying the loan until its paid off. This was not true. Not only did they take the {$160.00} they also took the {$5.00} from my account which I signed up for. This is causeing me a hardship because now I am short on paying my rent because. I still have co-pays for my XXXX medicine because I am XXXX. This was the purpose of me going into the program to avoid this situation. They told me this would prevent this from happening. The company is very unprofessional because I have called them left messages and they never call you back. You have to keep calling them and every time you reach them a different person answer the phone and they always come up with some other documents needed. I 've called several times and they have told me that my counselor XXXX XXXX XXXX is not in, but they will get the documents to him. This is very unfair to anyone and more less a senior. What was the purpose of getting involved in this program? If this was going to happen, maybe I could have research a way to speak with Student Loan Department. Transworld said they were working on behalf of the XXXX Student Loan Education.I was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: CarMax, Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My bank account was compromised for the second time with XXXX XXXX, sent Carmax the bank document that stated as such that caused my payment to be returned. The first time they corrected it with no problem ( correspondence attached ), the second time I get a letter stating that they can not correct the information. Not only that, I received an extension and they continued to call me and state that my account was past due. I had a XXXX and a XXXX XXXX in XXXX and when I initially called to let them know this, I was told that my request for an extension would not be approved because my loan always ran 20 days behind. I told the lady that I knw that but that it had never been 30 days late because I had to purchase an additional {$800.00} in medication per month now and that it was a struggle for me to make these payments. I then mailed hem a check in the amount of {$1100.00} and they put my car out for repossession. I called to tell them that my check had been cashed and yet my car was out for a repossession. the lady on the phone told me that it had been posted as XXXX lump sum payment and that she had to request it be broken out and credited properly. This lady did listen to me when I told her about my health situation and was kind enough to extend my payments through XX/XX/XXXX2016. This has been nothing but a headache and needless to say this is not my first car loan through car max, but it will be my LAST! 

POOR Customer Service!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I scheduled the XX/XX/2023 mortgage payment on Primary Residential Mortgage Inc 's website. I lost my job on XX/XX/2023. I contacted a housing counselor who told me to apply with Tennessee Housing Assistance Fund for Covid-19 assistance. I then called Primary Residential to request a payment refund due to extreme hardship and they are refusing to refund my payment. I also applied with them for their Covid 19 forbearance and they are stating that they are keeping the XXXX payment and starting the forbearance effective XXXX XXXX and XXXX. This is not helping. I explained this to them and told them that Tennessee Housing Assistance Fund can't process my application until the mortgage is 30 days past due. I am unable to buy food and pay my utilities. I have worked with other lenders who would reverse the payment and they are refusing to do this. My bank told me they could indeed refund the payment. Can you please help me to get the payment refunded?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: MI
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 became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  XXXX  and  XXXX  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by    XXXX   XXXX   XXXX   XXXX   ( "  XXXX  '' ).       An address change request was sent by U.S. Mail to loan servicer   XXXX   XXXX   XXXX  , LLC ( " UAS '' ) on   XXXX   XXXX   XXXX  4. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required . Statements for   XXXX   and   XXXX   XXXX   XXXX   indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these  XXXX  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding is attempting to collect a debt that originated from XXXX who verified that I was part of the FCC settlement that XXXX agreed to settle allegations of billing customers XXXX of dollars in unauthorized XXXX-party subscriptions and premium text message services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I canceled a transaction on or around  XXXX , the amount is {$1300.00} to  XXXX . My request to cancel was not honored and my  Paypal  card was charged for items after being shipped, delivered on or around  XXXX . M y Paypal debit  card was charged on  XXXX , the complete transaction is copied here :  XXXX    XXXX    XXXX  Payment -  PayPal Debit  Card Loading g transaction  details for  XXXX  Payment  - PayPal Debit  Card - negative {$1300.00}.     This transaction is a consignment, items were shipped to me and given  48  hours to return them before being charged. I received package on or around  XXXX , due to a delay in not receiving them.  XXXX  left several door tags, I was not at home, a signature is required in person. I was not able to open the package until after the  48  hour return time frame had passed. Upon opening, it was discovered the items,  XXXX  pairs of mens   XXXX   XXXX  hoes, were not in the boxes. I informed the merchant and they insisted they were in box upon shipping, was advised to dispute charge with credit card. A dispute was filed on  XXXX ,  Paypal r eps were advised of the above information. However, they seem to keep missing what I told them, ask for same information repeatedly. Once piece of information, the  XXXX  tracking number, is not available. Oddly, it does not appear in my online  XXXX  account, I am signed up for delivery alerts with  XXXX  and all packages going to and from myself appear online except for this  XXXX  ... The merchant did not provide a receipt copy of either, which I believe is also requested b y Paypal.     They do not seem to understand I do not have this missing information as merchant did not provide it. In closing, please advise  Paypal t his is all the information I have and I need credit for these missing items, even as a temporary  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 2021-12-20
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2016-11-03
Company: TRANSWORLD SYSTEMS INC
State: NC
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 received phone calls from the following number twice during business hours this week XXXX/XXXX/2016 - XXXX/XXXX/2016 : XXXX. The agency identifies themselves as Transworld Systems Inc. and states that I have unpaid medical debt. 

I have carried XXXX Identity Theft insurance for the last 13 months, and credit/identity monitoring through XXXX. I contacted XXXX and was advised to pull my XXXX credit reports and call back to review them with a consultant. All XXXX credit bureau reports were clean for collections accounts and accounts in negative standing. I was advised to ignore the calls and submit this complaint. I have also never spent time in a hospital or otherwise received medical treatment beyond standard primary care of my physician.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by a " Locating Service '' who gave me a claim number and telephone number to call. I called and was informed that XXXX and XXXX was attempting to collect a debt from HSBC Auto. I asked for more info on the debt, including the date of the last activity on the account. After getting info I realized that the date was well beyond the statute of limitations for this debt. The call person informed me that it was not, and that they could get a judgement against me, where it would report negative on my credit report and attach a 10 year wage garnishment. I was then informed of a settlement offer, which she didnt know the details of and would have to speak with her legal dept. I asked for verification of the debt, but apparently they didnt have to provide that. This company is using threatening tactics to try to scare people into paying back a debt they may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: American Payment Holdco, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a bill pay at  XXXX  in  XXXX  using "   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  with the NEXT DAY delivery  1st  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00}  2nd  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00} None of the payments were delivered. I paid for the next day delivery, should have be delivered by  XXXX / XXXX / XXXX  - almost {$4000.00} and my   XXXX   XXXX   XXXX   were not paid at all!!!! I have called  XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they keep saying they have problems with their system and they do n't know how long it takes to have the money received by  XXXX . I consider this as very unreliable service and im requesting investigation or have the payments posted asap. My payments are due and {$4000.00} is a very large sum for  XXXX  to keep for weeks or month s. My credit score  is gon na be affected because my payments are late now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports.

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