BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding filed a lawsuit against me for an alleged debt of XXXX for an original creditor of XXXX. They have yet to validate the debt to me. In response to my original request for validation of debt sent XXXX XXXX, 2016 certified mail, a company by name of XXXX has responded to me and state that they represent Midland Funding in the suit. I never authorized Midland Funding to share any correspondence that I sent to them with any other company. They also have shared my personal identifiers such as social security number as it was listed in the request for validation letter that I sent them. The company XXXX has stated that they " verify '' that the said collection debt is mine because they received a default judgement on the suit -- all which I am currently fighting through a motion to vacate due to their error in not properly notifying me with a summons and complaint copy of the civil suit. I have sent a follow up letter that demands that Midland Funding verify debt with a signed contract, payment history, billing summaries, and legal acquirement of debt from the original creditor, XXXX. This follow up letter was sent on XXXX XXXX, 2016 and they had until the allowed 30 days per FDCPA from the original request for validation which would have been XXXX XXXX, 2016, but I have yet to receive any debt validation. I am requesting that Midland Funding either agree with my motion to vacate the default judgement or file their own motion to vacate based on all the above described. Additionally all three of the credit agencies, XXXX have found the Midland Funding un-verfiable and have in turn deleted the inaccurate reports that Midland Funding had placed on all three files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IN
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:
My loans were transferred from the XXXX to Navient. Once that happened my loans have not been the same, it seems as if the interest rate is incorrect and very hard to repay back. I consolidated my loans and now I have the old XXXX loans and Navient ( Who use to be XXXX XXXX ) loans on my account looking as if I have multiple loans, when really they are just one loan reported twice. I have called and complained plenty of times to Navient and they said it was out of their hands, but they are the only ones who can correct any of my issues with them. I am concerned with the interest on my loans, with the rate that I am going I will never be able to pay them back. I really hope someone stops Navient from doing what they do and I hope I can get help with my loans. My goal is to have any loans my Navient completely erased as a penalty of their wrong doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: MO
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 am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX MEDICAL XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
FedLoan serving has reported late payments of up to 160 days on my student loan account which is currently in good standing. During the time of all the reported late payments, the loan was in forbearance. I contacted the agency to request the information be updated to reflect that there were no late payments ( as no payments were due while in forbearance ), and was told that they could not do so. I then file disputes with all XXXX credit bureaus, at which point the disputes came back stating that the information would be unchanged. These late payments are preventing me from obtaining a first time home buyer loan and are proving extremely detremential to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First to take action on a foreclosure, fraud not the owner in due course, continue with proceedings while under QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2015-05-05
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
Over the course of the past XXXX months, I have been attempting to get American Express to apply my XXXX XXXX card reward dollars against the balance of my account. The first XXXX attempts were via their website, which reported an error, and instructed me to call and speak to a representative. I 've now made XXXX successive phone calls to their representatives, and submitted a complaint, and the rewards have still not been applied. Here are dates of each phone call and notes about what was discussed. 

XXXX XXXX 2015. Requested application of reward balance to statement. Told rewards will be applied in next statement. 

XXXX XXXX. Asked to close account, closure specialist put me in touch with rewards person. XXXX - at the rewards membership, said the system is broken, and I need to call back tomorrow. XXXX is the account closure specialist, and said she 'd give me a a {$75.00} loyalty credit that will appear within XXXX weeks. This took about XXXX hour, and I still do n't know why the rewards can not be applied. 

XXXX XXXX. Called XXXX XXXX - Representative said they attempted to cash rewards, but it failed. Does not know why. Putting me on hold to talk to supervisor. He is going to open up a dispute - maybe dispute team to take care of it for me. XXXX is name of rep. Said to expect a response in XXXX business days. Said the reason it is difficult is because I have moved out of the XXXX. 

XXXX XXXX. Calling for update on status yet again. Rep put me on hold for several minutes to read notes, then said needs to put me in touch with a particular supervisor, and put me on hold again. I 've now been on hold about XXXX minutes and I 'm going to hang up now. Total call length is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my credit report is an account that is XXXX XXXX XXXX, as well as paid in 2012. I have disputed this account several times it will be removed for a while, then it is re inserted and re dated. I have disputed it with the credit bureaus and they call it a valid debt. I do n't understand how the bureaus validated that information, when I have written and called the address and phone number provided on my credit report and the number is disconnected or no longer in service. Trans World System # XXXX XXXX XXXX, DE XXXX is reporting a {$280.00} debt on behalf of XXXX XXXX. The account is XXXX XXXX XXXX well past the statue of limitation and reporting time limits according to the fair credit reporting act. XXXX XXXX services all of Texas and will not provide service to you with a outstanding bill. In XXXX of 2012 the outstanding bill was paid. Since 2012 I have been trying to keep this inaccurate collection account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was an account holder at Suntrust when I applied for a secured credit card in hopes of improving my credit. I was turned down. About a year later I was completing a transaction inside the lobby with a teller when she informed me " XXXX XXXX, it says here that you are pre-approved for our secured credit card ''. I was very surprised since I was turned down a year ago. I expressed my doubts to her and to another associate who had joined in the conversation. They both said that I was pre-approved and that it would only take a couple minutes to reply. Against my better judgement I allowed them to submit the applic. Well, sure enough I received the rejection letter XXXX days later. I feel that Suntrust lied to me, betrayed me, and mislead me. So instead of helping me improve my credit, they have probably made things worse for me. I filed my complaint with Suntrust and was assured that someone would get back to me. No one did. I called a XXXX time about XXXX weeks later and was given a case # and was assured that someone would get back to me. No one did. I called a third time and the CSR was not interested in my case # and insisted that I provide her all sorts of personal info despite the fact that I no longer have an account with Suntrust. It is quite apparent that Suntrust has no intention of discussing the matter with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
HSBC Mortgage has forced me into forclosure because they refused to do a modification on my loan as i went into a fixed income amount and was unable to afford the set Mortgage payment ... I have been battling to save my house court after court. The bank bought the house back in foreclosure, and being that im in still battling in court, I have paid over XXXX in escrow account, i 've been trying to buy back my house and I have given all the information the bank has requested including bank statements, and it was all a hoax and their just playing around with me, and now their saying we refuse to sell to you! I am almost XXXX years old and i have been living in this house for 25 years, I plan to die there! Please, please I am begging someone to help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a American Express Card with my mother at XXXX in XXXX Wi XX/XX/XXXX my mother recently passed on XX/XX/XXXX in which I was able to make a payment in XX/XX/XXXX. I received the next monthly statement like usual in which the payment was due on the XXXX of each month I phone American Express to make a payment and was transferred to the deceased account department I explain to the representative that informed me that I had to make the payment in full that I was not able to make the payment in full and would need to set up a payment arrangement and continue making monthly payment the representative ask my a couple of more questions about my mothers estate in which I informed her that there was no estate but my name was on the account and I would need to continue making monthly payments for now the representative told me that was n't a option and told me to have a nice day and hung up I continued to contact American Express like every week to make arrangement and was transferred to this deceased department I was denied a chance to make payments on a monthly basis now I have been sent to a credit agency and the account in now in collections and I have negative reporting on my credit I set up payment arrangements with this company who gave me a number to call to stop the negative reporting I was then told that the negative reporting would continue until the balance of XXXX is paid in full I could not believe that American Express would treat a loyal customer this way I have never missed a payment and this account was current up until my mother passed and I was not allowed to make a payment unless I pay the balance in full in between my calls to American Express I did some research on their website in which it clearly stated that you could have the deceased person name removed and continue making payments I was not given any options what so ever I also explained that my mother never used her card I was the only card user but when we applied my mother had more of a credit history and was named the primary on the account I would like the negative reporting to stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Filed a complaint about Amex telling me on XXXX different occasions that I was eligible for XXXX point offer. I told Amex to check their phone recordings in XXXX XXXX and XXXX XXXX XXXX and they said they were not available. CFPB notified Amex about my complaint and they sent me a letter. The letter states that they did review the phone listings and the representatives did not inform me of my eligibility. So XXXX lies XXXX they were not available and XXXX if available there would support my case. Amex includes a general phone number for some not involved and ca n't really respond. I asked the general rep. to request the consumer advocates dept.. for the transcripts of my call on XXXX XXXX to employee XXXX. Its a nice smoke screen that most people would just give up. They made a mistake and at least I want an apology

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Investigation took more than 30 days

Complaint:
CAP1/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
Dear Sir/Madame : I am a victim of the company Encore Capital XXXX XXXX XXXX XXXX and I do not know who I can talk to or what I should do. 
Last month my payroll dept garnish my pay because they had a copy of a court order stating I lost a lawsuit involving XXXX XXXX and this law case against me for over {$12000.00}. The court document had my name but my mother 's address XXXX. This judgement was date in XXXX. I had lived XXXX since XXXX until last year when I came XXXX to care for my terminally ill mother in XXXX. I have now taken a job XXXX but I know nothing about a judgment or that I was being sued in XXXX. I now learned that this judgement has been on my credit report all this time. I talked to XXXX XXXX and they have stopped the garnishment but will not tell me how this all happened or what my rights are. I called the law office XXXXbased Encore Capital Group and they only said that the bill is with XXXX XXXX. I have burial bills and so many other bills to pay off since I quit my job XXXX to come XXXX to help care for my mother! I can not go through being garnished again!!! and I do not even know why I was sued. I have had a XXXX XXXX credit card and money market account with XXXX for over 10 years. If XXXX XXXX wanted to sue me they had my address XXXX! And owing {$12000.00}. The credit limit on my XXXX XXXX credit card is about {$1200.00} not nothing close to {$12000.00}. Please tell me who I can talk to 1 ) TO MAKE SURE I DO NOT GET GARNISHED AGAIN ; 2 ) WHERE THIS JUDGMENT CAME FROM AND HOW TO FIGHT IT ; 3 ) HOW TO GET IT OFF MY CREDIT REPORT ; 4 ) Do I HAVE ANY RIGHTS IN THIS MATTER. Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: ENCORE CAPITAL GROUP INC.
State: LA
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 has been trying to collect for the wrong balance for years! High balance is just over {$700.00} for original creditor, and Midland is trying to collect over {$1000.00}!!! Midland is also showing a Payment History and MONTHLY TERMS!!!! I never signed an agreement with this company! Under status it says CLOSED Collection on XXXX and XXXX Reports and yet they are still reporting!!!! Last status update for XXXX and XXXX is XXXX/XXXX/XXXX. XXXX is XXXX/XXXX/XXXX. PLUS I never did received a debt validation from this company when I sent one years ago! Says Original creditor is XXXX or XXXX XXXX and I never signed anything for that company! I believe the original company is XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: AES/PHEAA
State: CA
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:
Fedloan Servicing alleges that I was 30/60/90/120/150 days late on my Student Loan payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They keep reporting this inaccurate information every month to the credit bureaus XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
Citi bank has caused me a great deal off wasted time and money. I have attempted in good faith to make multiple payments to Citi with my credit union checking accounts. In times past ( XXXX ) the account information worked perfectly fine. Recently, when attempting to make payments my payments were returned. I use the exact same payment information for every credit card payment that i make with all financial institutions ( XXXX, XXXX, XXXX ) and these other financial institutions have no problem making my payment with these checking account numbers. Because of issues with citis payment processing i have been charged fees ( returned check fees ) which are undue because the issue was not with me but with Citi 's payment processing system. I contacted my bank who advised that paying with the account information that i provided is the correct way and would be processed by the banks. I have attempted to correct the problem with a customer service representative in XXXX. They had me use the account number at the bottom of my check book which they were n't able to process. I can prove there was money in the accounts at the time every payment was attempted as well as show proof that other financial institutions have, and continue to accept payments from the checking account information that i have used in times past. I personally believe that there was a technology change, programming change, or code change that occurred at citi with their payment processing systems which has caused payments like mine to be returned now when they were accepted prior. I was never informed that there was a system change which would require me to change the way I made payments with Citi. I believe this is a broader issue impacting other customers as well so someone needs to speak with the head of payments processing/technology and research what changed and why it changed. I am a compliance manager for a competing bank within their small business credit card division and fully understand how small program or system changes can impact a customer segment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief