BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX, CA. continues to report an auto loan that is in delinquent status which I do not consider to be valid. The account has been paid approximately 3 years ago, and I still see no progress in the correction of this error. This is negatively effecting my credit score, which I need to increase within the month. I am a XXXX in the city of XXXX XXXX, CA. by means of opening my XXXX, a XXXX which will positively impact the labor workforce, and for this reason I am pursuing a loan with the City of XXXX XXXX, CA. Without the credit score increase I may not qualify for the program. Please do look into this and contact XXXX. I need an update of my credit report by XX/XX/XXXX, for I plan on closing on the loan prior to XXXX XXXX, projected grand opening date. 
*Additionally, XXXX XXXX XXXX is reporting a personal loan of {$3000.00} which needs to be researched for I have yet to see any valid documents stating that I owe this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2015-06-09
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I used XXXX XXXX XXXX in XXXX XXXX, California on XXXX XXXX XXXX to ship box parcels to XXXX.. The total charge was {$340.00} which I paid with my XXXX XXXX. The Tracking # on the Receipt is : XXXX. I have a copy of the receipt. On XX/XX/XXXX, I received e-mail from XXXX XXXX stating that I exceeded the limit that was set before. I called XXXX XXXX and fond that XXXX charged me {$1300.00} on XXXX XXXX for the same tracking # on the receipt of the shipment. I declined the payment, and XXXX XXXX XXXX removed the charges on the next statement after I contested the charges and explained to them that I did not sign for this amount of charges and supplied them with the original receipt from XXXX. Later, I received an Invoice # : XXXX from XXXX with invoice date XX/XX/XXXX for the same tracking # for the receipt that I signed on XX/XX/XXXX. The charges was {$1300.00} as a balance due. I called XXXX and explained to the operator on the phone that this is a fraud and it 's illegal to charge my credit card without my knowledge or consent. I explained to her that I would never have sent the shipment if I would have known that the charges is {$1300.00}. The employee was very rude and told that I have to make the payment to XXXX. I was terribly stressed and shaking so my husband took the phone and ask for a supervisor to talk to. A lady name XXXX spoke with my husband and after half an hour she agreed that I am right and she removed the charges. On XX/XX/XXXX, I received a letter from a collection company Named Transworld Systems Inc. with File # XXXX, Invoice # XXXX XXXX to collect adept on behalf of XXXX with amount of {$1500.00}. They added a collection fees charges of {$190.00} to the original {$1300.00}. On XX/XX/XXXX, I wrote a letter of all the above to XXXX and to Transworld Systems Inc. and asked to remove all the charges because it 's a fraud and illegal to charge me after the fact. On XX/XX/XXXX I received a letter from Transworld Systems INC with the Reference # XXXX XXXX stating that they are stiil reviewing the charges!. I really appreciate your help. I am a senior citizen and I got extremely stressed with every letter regarding this unfair charges. Thank you so much for offering this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I Made a Purchase with XXXX {$370.00} and i never received the itemthe item that i Purchase It was on XXXX for a Galaxy Note 4 Used and the item was never shipped to me i did also made a claim with XXXX but XXXX has my refund in a pending Status Since XXXX XXXX 2015 and still have not return the funds back to my back account. i contacted American Express About this Problem and they stillstill have the investigation in a pending status and its been 2 weeks and the bank has not provide a resolution for this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX 2013 I purchased a property in XXXX XXXX, NJ. HSBC was the lender and servicer of the mortgage loan since the closing date. I 've never missed a single mortgage payment, and always paid on time as well. 15 months later i find out that the city did not receive any property tax payment from me for the first 8 months, and had sold the tax lien to an investor, and the investor had come to collect the payment, along with interest and penalty. Long story short, turns out that HSBC sat on their bums, collected my monthly payments and DID ABSOLUTELY NOTHING for 8 months. 

To make matters worse, I started researching into the issue, and was given a run around. HSBC referred me to the City property tax office, the City referred me back to HSBC. It took a lot of pushing to get to the bottom of the story. HSBC finally agreed to look into the matter, and concluded that it was a mistake on their end and they have " advanced all penalty/interest to my escrow account '' to compensate for the interest payment and any associated fees that were deducted from my escrow account. Great, problem solved! so i thought. 

Eh, maybe not. A month of XXXX later, i checked my statements and it turns out the refund was never issued. Here i am on the phone with them again for the last hour or so, getting transferred from department to department. The answer that i get now is that they are waiting for the city to give them a refund, so that they can then issue it to my account. 

WAIT, i thought the letter said they have " advanced all penalty/interest totaling $ XXXX to your escrow account, along with a lien cancellation fee in the amount of XX. 

Now they 've put me on hold again ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX Bank, Bank XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been attempting to improve my credit score. I have been monitoring my credit report via Experian. I ordered my credit report and observed that it contained some errors. I wrote the attached letter to Experian and asked them to take corrective measures. I cited each entry that I felt should be removed and also cited the points of authority that justified such action. 

I read the Fair Credit Reporting Act as well as the clarifying letter form the Federal Trade Commission. The letter from the FTC said " The commencement of the delinquency that led to the action '' I took that to mean when the first late or default on the obligation occurred. That is when the seven year clock on reporting begins/

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 2017-01-16
Company: CORELOGIC INC
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
CREDCO FAILED TO FURNISH MY XXXX CREDIT REORT SINCE XX/XX/2012.

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 2016-08-22
Company: MOHELA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to XXXX College in XXXX - XXXX. I was XXXX in a elevator accident in XXXX XXXX. Years later I got some of my senses back and tried to straighten out everything on my credit. Mohela was on it, I got calls every day, they told me to call another number that sent me paper work to forgive it for XXXX. I thought it was for loan and interest. I filled out the paperwork and sent it in and was denied because it did n't have a review date. I have XXXX and others. The XXXX and messed it up a little. I have been on XXXX since XXXX XXXX, XXXX since XXXX XXXX. XXXX was the business I was dealing with. I wanted to find out why the student loan was still on my credit for 9 years, Mohela answered because I was having late fees added each month. The school was closed for stealing student money. XXXX school would payoff my loan which most of it was not my pay off. Mohela told me to go through school closing, I was denied. I recently found out XXXX College closed and that is why my loan was not closed. 
I wanted to see where the figures came from that added up to the over XXXX student loan. I was given a copy of a master signed by me and a copy of all different charges that made no sense. I still ca n't tell where they came from. Right now my total is about XXXX. 
My figure is XXXX courses @ {$500.00} x XXXX = {$4500.00}. XXXX grant {$2000.00} deduct = {$2500.00} which should be my loan at most. 
I have a small XXXX check which is not even enough to get through each month. I do n't know where to go. I am stable with XXXX medications each day but still have bad days. Anything you can help me with I would appreciate. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a letter informing Equifax that I did not dispute their investigation in late XXXX. They never changed anything I asked. I was turned down for a mortgage because of this. I am attaching the original letter and XXXX I wrote today showing what I need done so my report is accurate. Please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I believe I am a victim of fraud, the inquiries do not belong to me.

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 2015-06-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I was recently contacted by American Express and told that I needed to pay a debt immediately, even though I am in credit counseling and I am depositing funds into an escrow account to be deposit for a debt settlement. I was threatened with a lawsuit, even though they acknowledged that I am taking steps to settle my debt with them out of court. I was not contacted by an attorney. I am paying money to settle my debt with American Express right now and I want to be left alone by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I have a credit freeze on my credit with Equifax. Recently, I went to purchase a new vehicle and asked Equifax to do a temporary Freeze Life which should have cost me {$10.00}, but instead was charged {$40.00}. I 've recently spent the last day and half trying to get reimbursed for the {$30.00} overage to no avail. A simple solution would be to have my Credit Card company not honor the charges, but I know that Equifax will then place a {$30.00} charge off on my file. When I call their toll free number I 'm connected to an Offshore Representative who transfers me to the U.S who in return transfers me back to an Offshore Rep. It would really be nice for all Executive Officers to go through this process, oh well, does n't hurt to dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
American Express continues to allow monthly recurring charges on my account. I 've called and complained on numerous occasions and I 'm told it will be investigated. Shortly thereafter the charge returns. Today we spoke to an American Express Fraud Representative and was told that although the original credit card that was used to open the account is no longer valid they continue to allow monthly transactions because it 's recurring and we gave them permission to do so in 2003. Please keep in mind that I 'm being charged on an old credit card number and the merchant does not have the exportation date, account number or security code. I 'm paying {$39.00} a month and this has been going on for years. When I call the company in question, the call gets disconnected or I 'm hung up on. The last time I called they wanted me to send them a copy of my driver 's license. There is no way I 'm doing that. I 'd really be in trouble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I had updated my direct deposit information to my employer and accidently reversed the numbers at the end of my account number. I saw the mistake before the money was actually deposited into the wrong account and contacted American Express Centurion and told them and they explained to me that the computer would recognize my name and still deposit the funds into my account. This did not happen. My pay check which was {$1300.00} was deposited into the wrong account. American Express did freeze the funds so this other person could not spend my money and then requested that my pay roll bank which is XXXX XXXX submit a letter called a Hold Harmless which pay roll indicated that they do not provide. Payroll then submitted a recall to retract the funds and American Express denied the recall. They then indicated again they would only release my funds to the bank if they received this letter that my payroll bank does not provide. We have asked if there are other methods besides this one and they keep telling us they will get back to us and they only keep saying they need this Hold Harmless Letter. They then told me that they can only hold the funds for 30 days and after 30 days they will release my pay check to this other person and they will get to keep my money. This is totally unfair. We all know that there was a mistake and there has to be another way to have things verified to send my hard earned pay check back to the pay roll bank. I am living one pay check behind and I am late with all of my bills and my rent is now a month behind and my landlord is very upset and threatening to evict me and my XXXX kids. This pay check was right before XXXX also and I had no money for XXXX or the XXXX XXXX. I desperately need my money and they are doing nothing to get it back to me. It is as if they do not care when they clearly see the money belongs to me. I have been having the direct deposit for years and even now my pay check is still being deposited. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have had nothing but trouble with equifax. I have disputed so many times and had items removed and put back. I can not get my credit score without paying but XXXX XXXX keeps denying a limit increase saying equifax says my score is XXXX which is quite a bit off my other scores and seems wrong. I now years ago I got information about equifax getting in trouble for practices and I was supposed to get something out of that and never did. I want the issues fixed and a proper score and explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I have been disputing a charge on my American Express for several months now. I ordered some items from XXXX XXXX, and they never shipped XXXX of the items ( a TV ). XXXX XXXX agrees that the item never actually shipped, although they created a tracking number. American Express finally responded today, saying that they could n't reverse the charge because XXXX XXXX denied the chargeback. They provided documention, which actually confirmed that the item was never delivered! 
American Express ' response today was that this is an automated process, that a real person does n't get involved at this point. Now they say that a real person will get involved, but that it could be another XXXX8 weeks for the problem to resolved. Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert on my XXXX report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XXXX XXXX bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. XXXX are know for illegal actions such as this XXXX. I have enclosed a copy of an XXXX report dated XXXX XXXX XXXX that shows the original creditor hsbc/household finance Corp account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with XXXX servicing on my XXXX as of XXXX XXXX XXXX with this expired debt. The date opened is the same XXXX of XXXX. This debt is expired and should not be on my report. Hsbc has been deleted from all XXXX credit bureau since XXXX of XXXX. XXXX have purchased and expired debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I recieved a payday loan from ACE CASH EXPRESS and my repayment was taken from my account a week before it should have been causing me to go into the negative and pay fees. Now they are threatening to send me to collections. They would in previous loans email me a reminder that my payment was coming due and the date it would be taken out would be attached. Not this time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
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 noticed on all XXXX of my credit reports that there is a collection from ACE CASH that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.

Company response to consumer: Closed with explanation