BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-16
Company: HOVG, LLC
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
several communication with collector as insurance has paid all charges.. do not understand while now they have split the debt amount into XXXX different amount ( both total entire amount originally in question )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted my monthly mortgage payment to Primary Residential mortgage company via their PO Box address they provided. Payment was sent within the allowed time in XX/XX/XXXX to satisfy the XXXX 2015 mortgage payment. I contacted them on XXXX XXXX 2015 and asked if all was ok with my payment as they had not yet deposited it. They indicated they did not receive my payment and to send it again. I resent the payment with USPS XXXX and got XXXX confirmation. I called them and they acknowledged receipt of the check and indicated all was fine and not to worry. After a few more days, I realized the check still had not been deposited. They told me since the beginning it is not when they receive the check but when they actually deposit it that it then counts towards payment. This seemed ridiculous and a bit scary to me as what if they decide to deposit it after several days, even though they received it within the time frame ( before XX/XX/XXXX )? So, upon calling them again they said they could n't locate my check at the moment but would call me back as soon as they did. They offer no other payment options online, just by phone, but that comes with a hefty convenience fee. They finally located my check and I asked for a signed letter that I would not be reported to the credit bureaus as late and also not assessed a late payment penalty. They sent me a signed official company letter and an email about this assuring me this wouldnt happen. On XXXX XXXX they finally deposited the check after holding it all this time and receiving it XXXX XXXX. I was assessed a {$100.00} late fee as they indicated my payment was late and also reported me as being late to the credit agencies. I now can not obtain credit or make purchases with this. Ive contacted them by email several times and called and they keep promising me they will get back to me but never do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I tried to unfreeze my credit report at Equifax. I could not log into my myEquifax account. They displayed a number to call. I called the number and gave the automated system my ssn, birthdate, and current address and phone number. They required further information from my Equifax credit report. I can not get to my credit report for that information without logging in! This is a catch-22 that has me seething with anger. I am trying to refinance my home and can't continue until the report is unfrozen. This is MY INFORMATION and I want it available to my lender. Equifax 's process is unconscionable. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: IL
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 US Department of education account # XXXX, has 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 a 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 2015-05-15
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015 I received a letter from American Express Co XXXX AE XXXX. dated XXXX XXXX, 2015. The letter states " A merchant where you used your AE Card detected unauthorized access to its data files. '' I called AE to inquire as to what merchant was involved and when the breach was found, but AE told me they were not given that information, so we closed the account. I believe that AE, and all credit card companies, should receive full details of data breaches and be allowed to pass that information along to affected card holders so they may be better aware of impacts to their personal credit and identity theft. I also believe that withholding this information is not in the publics interest and serves the criminals by allowing them to operate in the dark. I ask that you, or AE, provide me with full disclosure of this data breach. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: MN
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 was working on getting a consolidation loan through Navient for my federal loans. I had XXXX loans that they told me were ineligible because they were in bankruptcy status, even though my bankruptcy ended in XXXX of 2016. Also, there were accepting interest payments on them, even though they were in bankruptcy status. I contacted them 2 weeks ago and they told me that the loans were no longer in bankruptcy status and to re-submit the papers to add then to my consolidation loan. Then, 2 days ago, I got a letter saying they could not be added again due to them being in bankruptcy status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management asking me to pay {$610.00} XXXX XXXX XXXX  Account I never have credit with. They affect my credit report rating. They want me to pay them in order for them to clear a balance due that is not even mine and didnt exist since the very beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: DE
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 ATTEMPTED NUMEROUS OF TIMES TO HAVE UNAUTHORIZED INQUIRES REMOVED FROM MY EXPERIAN CREDIT REPORT. I HAVE SENT LETTERS, CALLED NUMEROUS OF TIMES AND I ALWAYS GET HUNG UP ON WHEN I ASK TO SPEAK WITH A SUPERVISOR. I HAVE ATTACHED A FTC LETTER WITH ALL OF THE INQUIRES THAT WERE NOT AUTHORIZED BY ME. BLOCK AND REMOVE THEM

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 2019-12-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: MN
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 have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in experiam or XXXX, it only appears in XXXX, according to experian and XXXX I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit

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 2023-04-15
Company: EQUIFAX, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear XXXX finance, I have been a loyal XXXX client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that XXXX failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why XXXX has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Phoenix Financial Services LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On, XX/XX/XXXX I received notification from XXXX, that there was a new collection account reported from Phoenix Financial Services. I never received any written notice. Nor, was I given the opportunity to dispute the validity of this debt. Daily, I receive random phone calls all hours of the day, which I believe to be from them. As far as I know the fcra and fdcpa protects me from such actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I received a letter from Citibank stating that my inquiry regarding electronic transactions on my checking account ending in XXXX XXXX XXXX XXXX had been honored and that I would be receiving a credit on to my account in the amount of {$1600.00}. They said that this credit included any applicable fees and interest incurred as a result of the disputed charges. On XX/XX/2019 I called Citibank customer service to ask when this money was going to be deposited onto my account the customer service representative I spoke with told me to give it 10 business days for the money to be deposited onto my myaccount. On XX/XX/XXXX I received a letter stating that they were not going to give me {$1600.00} with {$0.00} they were only going to give me {$200.00} with {$0.00}. I need Citibank to respect the money reimbursed to me which was {$1600.00} and credit this amount to my account just like they said they would on the letter I received XX/XX/2019.

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 2020-07-08
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to link my PNC account with another bank account online. But. PNC does not allow me to do so even though I have been verified as the owner of this PNC account many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: TN
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:
Open Date XX/XX/2018 Balace {$89.00} XXXX XXXX   XXXX Let a person open a account in my name and XXXX XXXX  XXXX sent a credit card to a PO Box this account is not my account at all, I did not no this company had existed, Sending a card to a PO Box is a red flag but no this company sent the card anyway to a PO Box that I do not own, also they told me another address when I talked to them that I never lived at both address was never my address I never lived there, and the phone number they gave me was never my phone number NOTHING MATCHES ME, this account needs to be removed asap/immediately from all 4 credit reporting agency and my credit report or me and my team will take legal actions. I have no idea who this company is. I have filed all necessary complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureau : Experian refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : New Address : XXXX XXXX XXXXXXXX XXXX XXXX, Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Credit Bureau : XXXX refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : Correct Address : XXXX XXXX XXXX XXXXXXXX XXXX Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : 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 2016-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC paid my taxes out of my escrow account and when it was returned, it had already been paid, they did not return the money to me. 
This was because the HSBC account was to be paid off in XXXX 2015. HSBC instead applied it as payments. This kept the account open so they sent the tax payment, which had already been paid by the new mortgage company. When the money was returned the account was closed as I had pointed out their error and they paid off the loan thus closing the account. 
I have been trying to get this money since XXXX 2015 and they keep telling me that they are still reviewing it. Customer Service says that they can see where the money was paid and returned but the refund it is handled by another department and all they can do is escalate the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
In 2016 American Express ended its role as the exclusive card for XXXX, with that role being taken over by XXXX. My existing AMEX/XXXX card had a balance at the time of the change and that balance was transfered to the XXXX account. Subsequently, AMEX mailed me an offer to open a new account with them ; the offer extended stated that balance transfers and purchases would be interest free for 15 months. Taking advantage of this I transferred the XXXX balance ( the original AMEX/Costco balance ) back to AMEX under the new, interest free offer. However, in the first billing cycle, AMEX charged me interest on the balance transfer made, contrary to their offer terms under which I made said transfer. 
I called AMEX and opened a complaint. After a month of not hearing anything I called AMEX and inquired of the status. I was told a decision was forthcoming. I waited another 4 weeks and phoned again. During this XXXX call AMEX made the assertion that the interest free offer only applied to purchases, not balance transfers, despite the fact that the offer letter clearly states both purchases and balance transfers would be interest free for 15 months. The customer rep supervisor asked for the offer number printed on the offer letter. I provided this to her and she responded that the offer number did not cover balance transfers. I replied that her position was that the document they sent me, which I still possess, which states both balance transfers and purchases would be interest free for 15 months, did n't say what what was printed on the paper. AMEX requested a copy of the offer, which I scanned and emailed to them. 3 days later I received a voice message from AMEX, saying to call them at the provided number and enter a XXXX digit code. I called the number, but the automated system requires a XXXX digit code. At this point I believe AMEX is purposely avoiding honoring their offer terms and purposely making it difficult to reach them in an effort to make me drop the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-25
Company: The Bureaus, Inc.
State: FL
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 contacted all three credit bureaus requesting dates, services & validation from this company that's reporting on credit report & the bureaus has not responded back & credit bureaus refused to complete a proper investigation. I have sent a letter via certified mail & usps return the letter deemed as undeliverable. I tried phone calls, letters & no avail. 
XX/XX/2020 Amount Claimed Owe {$820.00} Company Bureaus XXXX XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TD BANK US HOLDING COMPANY
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We traded in the vehicle financed through TD, after the trade in we ended our service contracts. The check for the canceled plans were sent to TD auto finance on the XXXX of XXXX and show deposited but they claim they never got said money and refuse to give us our check.

Company response to consumer: Closed with non-monetary relief