BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have repeatedly disputed false inquiries on my credit report with Experian while sending proof that the original creditors either have no record of my inquiry or that I have received no response from the original creditor. After numerous calls and escalations Experian has failed to remove these false inquires. Please uphold them to their jobs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Ability Recovery Services, LLC
State: NC
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:
XXXX XXXX has reported to the credit bureau, XXXX, the same debt twice in the amount of {$810.00} totalling {$1600.00}. The collections are showing on my credit report both times and are hurting my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been going and going around with this company since XXXX 2015. I have paid this debt in full to them. I have sent copies of all my payments to them by fax, called to discuss this 9 times and never get it resolved. I never get calls back and get different balances when I call. They have threatened with garnishment and still have incorrect balances. This debt is paid in full and are very frustrated over trying to resolve this. I have also sent a letter to the court!! HELP!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX in 2011 and it ended up being shut down. I originally got my private loan through XXXX which they now transferred the loan over to UAS XXXX and I ca n't afford to make the payments and feel that if Im able to have my federal loans forgiven that I should be able to have my private loans forgiven or some sort of help with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There are XXXX separate accounts listed on my credit report. XXXX is a loan issued by XXXX and the other is a medical credit card issued by XXXX Bank. I have disputed both of these accounts. I never received a loan & the medical card was issued to my mother. Both accounts have now been sold to a Midland Funding , LLC & they call at all hours of the day & night and start yelling as soon as I answer. They call while I 'm in school. I 've told them the accounts are not mine and I 'm not sure how they got my phone number as I 've never applied for them. I was in High School when the loan was issued & I 've never had more than a part time job between semesters. I 've tried to explain this to them but they wo n't listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXEquifax XXXX XXXX XXXX XXXX, XXXX XXXX report # XXXX recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # : XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a store credit with XXXX with a balance due of {$560.00}. The balance went unpaid and XXXX sold the account to a collection agency. In the process, I paid XXXX the full account balance. XXXX is reporting on my credit that the balance of {$560.00} was written off even though they received the full payment. The collection agency is reporting a balance of {$560.00}. After several disputes with the credit bureaus and with XXXX, the information is still incorrect on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Southwest Business Corporation
State: LA
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 fair credit reporting act XXXX  XXXX  # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX has lots of information omitted. 
Account Owner : Not individual was a business account. send proof it was a personal acct Date major delinquency first reported information missing Date of Last Acitivity is missing and accurate High Credit amount is missing this account has been disputed before for inaccurate and not reporting full information as per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i had fraudulent charges on my american express banking account, and i filed a claim with them, but instead of returning my money that is supposed to be insured, they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Mohela reported to the three credit bureaus in XXXX 2016, but my XXXX XXXX rejected that payment as an error. This is the first 30 day credit mark that I have with them. It is not my fault that my bank rejected the payment because the money was there. I advised my bank that I need a letter showing proof they received my deposits but its not credited to the account. My mom is the cosigner on this account and I do not think I should be punished for what my bank did. This is affecting my credit and my mom 's credit as well. I have a good payment history with Mohela therefore I am willing to do auto payments, but I need the credit mark removed. I did not know they were rejecting payments until I received Mohela 's emails. I have a pending complaint with XXXX XXXX as well to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
ON XX/XX/XXXX I WAS AT A PLACE CALLED XXXX XXXX AT XXXX XXXX XXXX XXXX FL XXXX PH XXXX AT THE CASHIER - WAS TRYING TO PAY FOR REPAIRSS TO MY XX/XX/XXXX XXXX MOTORCYCLE AND THEY SAID THEY WANTED TO MAKE COPIES OF MY CREDIT CARD FRONT AND BACK AND A COPY WITH MY FLORIDA DRIVER LIC - I SAID NO - BUT THEY SAID IT WAS POLICY AND THEY DID THIS TO ALL CUSTOMERS - I BELEIVE THIS IS A BAD AND POSSIBLE ID THEFT AND FRAUD IN THE MAKING - YOU NEED TO INVESTAGATE THESE PEOPLE BEFORE THEY STILL PEOPLES MONEY AND ID ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Other

Complaint:
I called on XX/XX/XXXX regarding fraud on my Corporate AMEX. The card was closed and the representative removed the charge instantly. But because I made a previous payment the Friday before of {$1000.00}, I overpaid. I was told by the rep that a check would be sent to my home in 3-4 business days and a new card would be sent to my home as well. 

A few days later, I called AMEX back to find out where my money is and they explained that due to the holidays, there would be a delay in receiving the check but to be patient. I call back a few days later to track down the card and it had finally been delivered to my HQ in XXXX ... it was being held in XXXX due to our offices being closed for the holidays. 

I call back again XX/XX/XXXX and was told by a rep that the check had not be cut yet because there had to be a 2nd step authorization from one of the administrators on the account : XXXX XXXX or XXXX XXXX. He asked me to call XXXX. I did. She was on the phone to verify and to release the check to me immediately. She also stated that our company does not have this stipulation on any of our accounts. 

I spoke with XXXX in the Corporate Customer Dept. at ext. XXXX and she said that there was already an authorization given and that the check had been cut and sent on XXXX XXXX, XXXX via XXXX. I asked her who did they get the authorization from if we were closed for the holidays and she did not answer. I asked her for the XXXX Tracking Number and she said that she could not provide me with that information. She gave me a reference number ( XXXX ) and said that i would receive the check on Wed. XX/XX/XXXX. 

At XXXX EST, I arrive home and no UPS notice. I immediately call AMEX and try and find out what is going on. I get a rep on the phone who puts me on hold to find out where the check is. He comes back on the line and tells me that the check has not been processed and that I would have to wait. They put me on the phone with a Supervisor - XXXX and she says that there is no record of XXXX XXXX saying yes to releasing the funds and that she will need to call the Corporate Card Services in order to release the funds. 

I am so upset about this entire process. I have been lied to and I feel like I will NEVER get my money back from AMEX. This is crazy. I will be consulting an attorney

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
HSBC Bank suddenly blocked my Checking Account, XXXX credit cards and ATM card after a check I deposited was returned XX/XX/2016. 
I was not even able to view my accounts on-line afterward. I was told the action was initiated by the Fraud Prevention Department of the bank and was directed to talk to them. When I talked to them, they wanted me present the case to my local branch which I did. After a number rounds of talking to the branch people and the department, I was told to contact its Customer Relations Office which I did. The answer I got from it was a letter stating the bank has the right to close my account at any time, for any reason or no reason. I was greatly inconvenienced by their action and lost opportunity to earn over {$1000.00} reward money, let along hours of time spent in visiting and talk to the various individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This was the closest choice to my complaint. I have tried calling the collection agency XXXX ; not ONCE have I every gotten to a representative. EVERY call is answered with " due to high call volumes we are unable to take your call ; please call back ''. This happens even at XXXX.!! I provided a copy of a letter from XXXX XXXX XXXX that this is not my responsibility and payment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I got a credit card from this company and after paying it for two years I lost my job making it hard to pay, now i want to pay this debt off with an agreed amount but this company keeps changing the amount and wont give me a statement as to the agreed amount and if they will remove this from my credit report ... 
please see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I just received a call from a collection agency XXXX who bought an old debt from HSBC and is now threatening legal action. In addition, they called my job and left information with the person who answered the phone in reference to this. This is third party disclosure and is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
auto insurance that was paid this company did not represent my interest in a accident without investigation by other company which they did n't report my side to the proper parties just wanted to close there case and settle i later dropped there insurance they tried to quick settle and did not replace my damage parts and inproper vehicle inspection. my monies were paid and they continued to send a final statement of monies owed by me i talked to them several times within that year and they would not provide proof of the XXXX dollars they say i owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home earlier this year, through XXXX XXXX XXXX, they did a great job. We requested a payoff amount from HFC/Beneficial. After almost a week they sent a payoff to XXXX, and that amount was paid to HFC. In following weeks and since we have received payment notices for deferred payments of over XXXX years ago.I contacted HFC reps who admittedly stated that they made a mistake and payoff amount was not correct. We feel that was not our fault, can not afford to and should not be responsible to make an additional payment of more than XXXX dollars, and growing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express sent me to collections. I began paying the collection agency ( XXXX XXXX XXXX in XXXX ) every month and when I did, I received a notification from American Express via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to American Express. When I call American Express, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that American Express gave me for XXXX XXXX, they answer the phone, saying, " American Express '' and say they are not XXXX. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Tried to transfer membership reward points online to XXXX as the flights I wanted were available, but got an error and a message to call in. Talked to membership rewards and they informed me ALL my points had been frozen, due to a XXXX bonus that I had gotten from my AMEX Platinum card. Did not provide me a reason why they were frozen, but said they would be released on XXXX, as it would have been 8 weeks past the points posted date. Called in today on XXXX and they are still frozen, and have not been provided with an explanation. I have XXXX points, XXXX of which Ive had for over 8 months and yet all my points are frozen. I was able to transfer points to british airways account 2 weeks ago without and issue yet Amex decided to freeze the points again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They are trying to collect debt from XXXX which was never on my credit report history. They are also re-aging this account. They put it on my credit report and I am not responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/15 a charge of {$95.00} was posted to the account by XXXX XXXX XXXX NJ, which we noticed on about XXXX/XXXX/15 and called Amex right away to dispute the charge as fraudulent, dont know if they disputed or not but were notified that the charge is valid, accordingly its invalid, never were at the spa or used their service. 
According the charge XXXX XXXXThe expiration date provided is different then the one in the card, the signature is different then our signature that we sign anywhere civil and government documents bear different signature. 
However Amex easily defrauds customers ... .. The charge is plain fraud. We explain to amex ... Amex claimed that is unfaired that their company should absorve the costs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This is in essence the same case that was submitted/reported under ( XXXX and XXXX ) for XXXX XXXX. This complaint is specifically for American Express for similar reasons. We agreed to purchase a timeshare from XXXX XXXX if they purchased our XXXX timeshare. They failed to purchase our timeshare within the time required ( 60-days ) - it has been over 6 months. In the attachments much more detail is provided in the " XXXX timeshare summary ''. American Express has sufficient information to reverse the charges but they are ignoring the evidence. XXXX XXXX needs to either purchase our XXXX timeshare as agreed or tell American Express to refund our money. 
For XXXX XXXX to abide by the agreement they would need to purchase our property for the agreed to amount of {$100000.00}. Since they also agreed to refund the entire amount of the purchase of their property in the first XXXX we would also like those charges reversed on our credit card ( {$24000.00} ). At a very minimum the credit card charges should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
The credit card company American Express is not issuing rewards on a consistent or timely manner. I have the Blue Cash Everyday ( SM ) card and I earned {$57.00} in reward dollars for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016. They said there was a one-month delay for redeeming these dollars, and so I was not able to redeem them until XXXX XXXX, 2016 ( 1 month delay ). I earned another {$54.00} for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016, and they are now telling me that I can not redeem the dollars until after XXXX XXXX ( 2 month delay ). When I inquired as to why there is a 2 month delay for this cycle versus a 1 month delay for the last cycle, I could not get a clear answer out of the two different people I spoke with. One person told me the bill had to be paid in full ( not just the minimum payment due ) and another person told me they were having system errors. It seems their rewards program is very disorganized and as a customer, it is difficult to figure out what to expect. The whole reason I signed up for this card was for the rewards, and it is difficult to imagine that in XXXX I have n't received my rewards dollars from XXXX. Their practices are not fair, I do not recommend this card to anyone and I will be closing my account once my reward dollars are redeemed ( hopefully before 2016 is over! ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is allowing an account that has been previously deleted be reinserted on my credit report. Account XXXX was paid and removed from my credit report in XX/XX/2015. Account had since then been reinserted as a collection account. Account is also past the statue of limitations in which it can report. Please remove account XXXX from my credit report immediately and do not allow account to be inserted again. Thank you.

Company response to consumer: Closed with non-monetary relief