BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a letter from First Federal Credit Control, Inc.indicating that I have been placed in collections by a creditor ( XXXX ). I called First Federal XXXX today and was advised that XXXX XXXX from XXXX wants to collect {$460.00}. I was involved in a motor vehicle accident and gave the hospital the name of my vehicle insurance company ( XXXX ). I have never received a bill from XXXX XXXX and feel strongly that he ( or she ) should have contacted me if XXXX did not cover the charges for accident which took place in XX/XX/XXXX. I am concerned that the doctor waited until XX/XX/XXXX to send me to collections without XXXX sending me a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TD BANK US HOLDING COMPANY
State: CT
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:
My wife applied for a TD bank retail card through XXXX and XXXX. She applied as a sole applicant and entered only her name, DOB, and social security number. She specifically chose no when asked if she wanted a co-application. The credit card was approved and at the same time, her credit report alerted that there was a hard inquiry on her credit report, my credit report was also alerted that there was a hard inquiry on my credit report. My information ; name, DOB, and social security number were never entered and I did not authorize TD bank to run my credit. I would like this hard inquiry removed from my credit report as it was unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received XXXX letters in the mail today from Transworld Systems Inc saying I owed debt on a student loan through XXXX. I have the confirmation from XXXX that all loans were paid in 2013. After doing some research online, I 've found that I 'm not the only one who has received issues from this company. The need to be stopped from harrassing innocent people. It also says on the letter that they have contacted my place of employment which is truly unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a letter stating that I had been selected for wage garnishment. I contacted the loan servicer Transworld Systems ( TSI ) to get enrolled into a rehabilitation program. My primary complaint is the fact that there are separate departments that deal with the set-up, verification and maintenance for each account and they do not all work efficiently together. So XXXX person in XXXX department will tell you XXXX answer and then later you will be told something totally different by another person or department. 
In my case, The set-up manager told me that I needed to sign XXXX different sets of documents and return them via email, but she sent me the wrong documents. I completed the paperwork, signed and returned as instructed and no one called for 2 days. On the 3rd day, someone called and said that my paperwork was incomplete and that I would probably still have my wages garnished until I got that to them. He then said that because I did n't have a fax machine the only way to receive them was by overnight mail! I happened to be accessing my bank account at the same time and realized that even though the agreement I made with the set up payment beginning XXXX/XXXX/16 and then on the first of each month thereafter, that I had already been charged for a payment! This is my second issue. My credit card was charged on an occasion OUTSIDE of the agreement that I made with this company. After all this, they still could not confirm that even though I had already made a payment that I will not have my wages garnished because of a problem they created. I spoke with a supervisor and she mailed me the documents immediately, but I still do n't have confidence that I will not be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
this company has been calling me 3 times a day. I am not well and have not answered the phone. They then have been calling my mother, whom I have asked them twice not to contact again since she is old and ailing. They continue to contact her.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
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:
Equifax violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card
Issue: Other

Complaint:
I sent a letter to HSBC Bank inquiring about a account that they listed on my credit reports, which I do not recognize. The account number is listed as XXXX. I disputed their reporting reporting of this account under FACTA rules and regulations. I wanted a FACTA request for a complete accounting of account. I asked them for the date and amount of each and every charge, payment, or adjustment made on the referenced acct. I also told them that under FACTA, they must either provide me the requested info or delete this acct from all credit reports. To this date HSBC Bank has not provided me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a new Skymiles American Express card a few months ago pursuant to a promotional offer. The offer stated that I would be awarded XXXX bonus miles and a {$50.00} statement credit after my first Delta flight purchase. Nowhere in the offer did it state that I would not be eligible for the promotion if I had a Skymiles American Express card in the past. I held a Skymiles American Express card that I canceled about two years ago. 

After spending about {$2000.00} on my American Express card, I called American Express because I was not awarded the bonus miles. The representative first claimed that the statement, that previous card holders are not eligible for the promotion, was in the acceptance letter sent by American Express. When I told her it needs to be in the offer because after I applied and accepted to the offer, I had already put in the time to apply for the card, and taken a hit to my credit. The representative then claimed that this information was in in the offer itself. The representative would not offer any sort of compensation. 

I am certain this information was not in the offer. Delta and/or American Express send multiple offers per year, and none of these offers contained the limitation that, in order to be eligible for the promotion, you can not have previously had a Skymiles American Express card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX was charging me double the charging of medical treatment before I had insurance. So when I set down with there medical billing department. I qualified for a program that paid my previous bills due to hardship. Also they paid the rest of the bills from XXXX all the way to XXXX. They printed from their screen that my balance was XXXX I did n't own anything anymore. I turned the papers in to XXXX they sent back their report telling me that this company will stay on my credit report until XXXX XXXX. I also came across a page that XXXX had written in file that I have n't worked in three years how can I pay these debts off. So score is staying at XXXX because of 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 2021-09-17
Company: EQUIFAX, INC.
State: TN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CITIBANK, N.A.
State: NY
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 accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

5. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

8. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

11. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2016-05-10
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened a Delta American Express credit card. Before I activated the account, I received a mailer offer for XXXX miles with the same credit card. I called American Express on XXXX XXXX and told them about the better offer. At that time, they promised me that they would honor the offer on the mailer ( Code : XXXX ). I called them today ( XXXX XXXX ) because they had not honored it. They said that the marketing team had decided not to honor it. I feel like I was lied to ... ( I continued to use the card assuming that the offer would be honored and I never received a notification that it would not be ) Their response after a couple of manager escalations was that they made a mistake and would not honor the offer. I therefore closed the account. I would like to ensure that I am not charged the annual fee since I closed the account within 32 days of opening it. I also want to ensure that they do not lie to future clients

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2021 I a arbitrator that had formerly worked with XXXX  XXXX XXXX presided over a hearing between myself and a law firm that is trying to collect debt that i owed to XXXX  XXXX XXXX. The arbitrator agreed to be neutral in his renderings. I did not have a lawyer and the law firm was granted the award on the time barred debt. The law firm is threatening to add a second judgment to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Debt collection agency contacted my employer stating that they needed permission to serve process at my job. When I received the contact information of this agency I called them and was informed that they contacted my employer because they would be garnishing my wages at the maximum amount that the state statutes allows. I inquired as to whether or not the agency had received a judgement allowing such and their representative stated that they were beginning legal actions and that no such judgement had been entered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I recently sent an initial complaint on yesterday which related to calls transpiring on XXXX XXXX relating to discrimination and retaliation. As of XXXX XXXX, I was also retaliated against by XXXX XXXX within XXXX XXXX XXXX XXXX XXXX. after leaving a voice mail on her XXXX XXXX Voicemail system questioning her on how she intimidated, interrogated and repeatedly questioned our daughter inappropriately and unnecessarily regarding her mother, XXXX XXXX, which I addressed and emphasized with her via XXXX recorded system on XXXX XXXX as " discrimination tactics against XXXX minorities ''. In turn, she adamantly, her and her team on purpose set a pre-set small XXXX limit on the XXXX XXXX XXXX Card, after sending XXXXbank statement proof showing an average balance of XXXX. Also, prior to approving an authorized user, XXXX, already checked my credit and sent the card around XXXX XXXX. Based on these and other illegal credit card biased practices within the Financial Review dept., I was also defrauded out of the initial {$1600.00} payment which was made on the account. They purposely waited for the payment to clear my bank on XXXX XXXX and then place a hold on XXXX XXXX, after we received a call from the Financial Review team as noted in the XXXX of this complaint sent on yesterday. Although the payment was not due at the time, I was showing good faith on paying the account and setting it up on a weekly payment basis to pay down the initial amount of XXXX which was truly due by end of XXXX. This is when the XXXX payment for the XXXX statement is actually due. The XXXX Payment would have been due by end of XXXX. We were never given a chance as XXXX Citizens, XXXX Veterans, and XXXX Americans, but was heavily scrutinized and violated by XXXX XXXX and others within the Financial Review department. These are unfair and illegal credit card practices and should be investigated as no one should be left in a bind after initially setting up their monthly everyday charges with various vendors and billing agencies, because we had plans to continue to utilize the card for those purposes as other XXXX groups are given the opportunity to have access to capital and not heavily scrutinized for utilizing their Platinum Credit Card! These are unfair and illegal credit card practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This case was disputed and the results are the same. I sent the original debt collector a notice to show validation of the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The notice was sent by certified letter, copies of which were sent to the credit reporting agencies, Transunion, XXXX and XXXX. The validation of the debt was never sent to me which the credit reporting agencies were informed of this by the credit reporting agencies. ; however they never removed the debt Account # XXXX, for the debtor failure to validate the debt. Instead the credit reporting agencies continue to allow the debtor XXXX collection to put this debt on my credit reports with out validating the debt out the guidelines on validating a debt. Their means of validating the debt is simply responding electronically that I owe the debt. The issue with my initial complain was the address listed on the credit report XXXX TN XXXX the notices were returned, the address is not a correct address where the collection account can be reached. This error along with the debt collector not validating the debt should be gounds for it to be removed.

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 2021-09-17
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2021 I received a request for a {$50.00} loan from my servicer Firstmark for a repayment for a new loan which I didnt take out ( roughly $ XXXX total ). It was confirmed to me by the company on XX/XX/2021. That this was a mistake on their end and that they would fix it promptly. Apparently I overpaid for a loan and instead of it showing as a negative balance its being shown as a positive one which I owe. 

Not only did they not resolve the issue but this incorrect balance is showing up as a late payment and it will negatively impact my credit score next week. They are still sending me letters to repay this loan which they confirmed I dont owe. If I dont fix this within a few days my credit score could be permanently harmed. They are not taking action to resolve it unfortunately. They also stopped responding to my emails and will only respond to calls. I need this issue fixed urgently on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Other fee

Complaint:
I made a purchase in the XXXX. This was converted at an fx rate ( a poor one ). I was charged 1.5 % by the merchant and 2.7 % in administrative charges. When I queried this they could not explain what these charges were and refused to itmemise them or that they had in fact incurred them. When I asked to dispute this, they resisted and ultimately said I would have to dispute the complete charge as they are related. When I ask for details of their regulator, they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: ORG GC GP Buyer, LLC
State: TX
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:
Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to GC Services Limited Partnership on XX/XX/XXXX. As of XX/XX/XXXX They did not reply to my request therefore this account should be removed from all 3 credit bureaus. According to XXXX they did not reply to my letter with the proof of debt. Instead, they filed the response under cease and desists all communication on XX/XX/XXXX. This information was put in by XXXX. However, the letter states " that no further telephone contact be made by your offices to my home or to my place of employment '' It does not state cease and desist written communication. I was told that GSC never forwarded my information to the original creditor XXXX. As a result and against 15 USC 1692g Sec 809 ( b ) of the FDCPA this account has been reported to all 3-credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: AFNI INC.
State: TN
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 'm a victim of identity fraud. I recently checked my credit and received notification from this company that an account was opened in my name. Upon calling the company we were able to ascertain who opened the account in my name and they have contacted the individual and currently in the process of handling the matter with that person

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a savings account with Regions bank and my banker did not disclose that I had to keep a minimum amount of {$300.00} in the account or I would be charged a monthly fee. Now I ca n't even close my account because there is also an early closing fee just to get rid of the account. It 's not disclosed anywhere in my opening packet and I had to search on the bank 's website for a fee schedule PDF where it 's mentioned -- it 's not shown anywhere on their site. 

Regions Bankhttps : //regions.com

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX a collection agency sent me a collection for Nordstrom credit card for {$10000.00}. The charges were made in 2019. I do not have a Nordstrom card to my knowledge. If there is an account there in my name then it is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I've been corresponding with the affirm company since XX/XX/XXXX when an unauthorized loan came into my account for the amount of XXXX. I've filled out affidavits I've been in contact with XXXX and affirm XXXX can not give me info because I don't have anything to provide to them to get access such as emails names card numbers etc. Affirm claims they've been investigating this matter.Yet everytime i asked for an update I've been put on hold and no one came back to the call I've emailed and they said hey you have to call us.Yet the last response from them told me i was responsible for this. I'm completely confused on how them letting someone into my account and placing a loan deems them irresponsible.And they asked for another affidavit! Then claimed i never called???? how?

Company response to consumer: Closed with explanation