BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: TX
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account is for Asset Acceptance account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is 10 years old. I hired an attorney for this. A certified mail letter was sent to Asset Acceptance asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. Asset Acceptance failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, Asset Acceptance continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called Asset Acceptance, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to Asset Acceptance. For 3 days I have spent 2 hours a day on the phone with Asset Acceptance and no one can help me clear this up. I can not even find a representative of Asset Acceptance who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have saved voicemails from someone calling from an unknown number saying that they are from the county process service department and have a failed attempted to serve me at the location on file, this matter requires my immediate attention and I need to contact the issuing office at XXXX and reference the case number provided. The call ended with " you are in jeopardy of missing your court date, consider yourself notified! ". The XXXX voicemail said they have a XXXX failed attempt to serve me and my sister and we are in jeopardy of missing the court date as well as in jeopardy of getting a failure to serve. I have no idea why this `` county process service department '' is looking for a matter that would involve both me and my sister. 
I called the phone number XXXX and have was hung up on XXXX times and told I was playing games and disgruntled ( because I told them that if they werent recording the call i was going to ), before getting information from someone on the XXXX call, which I recorded. When answering they stated different names for their " firm '' ; XXXX and Legal office of XXXX XXXX. The account they referenced is was one that I have been disputing for years because it was fraud ; I did not open the account, someone else did. It is currently in dispute status and past the statute of limitations in my state. 
The `` county process service department '' also called multiple family members who have texted and called me worried about me because it sounded like I am facing a serious legal issue. 
I spoke with XXXX attorneys that stated this business is not legitimate, it is a scam. Neither of the lawyers could find information on this " law firm/business '' I searched for hours attempting to find information on their company and all I could find was information on a company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
First week of XXXX I applied for a HELOC where I was informed that this process would take 45 days, Well fast forward were in XXXX now and within the first few weeks I sent in all requested documentations and my calls and emails were being ignored. I have the credit and income and in good faith believe that this is discrimination or this was intentionally delayed in efforts to force me into a higher interest rate The individual over seeing my application is XXXX XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: 3rd Generation, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Malicious calling ... this company will call you and hang up even after you speak to a representative ... A representative of the company was told that a payment could be made on XX/XX/XXXX. I was told the payment would draw from my account by that Date but not for the day of the call XXXX. The representative bullied the call and drafted the payment for XXXX after I specifically told a specific date XX/XX/XXXX ... the payment was returned and the vehicle was repossessed on XX/XX/XXXX. I have the money to cure my loan however the vehicle is damaged and not driveable due to the towing company. How can I continue to pay on a car that is supposed to be working under this contract if they damaged the vehicle while I'm recovery. They are offering to cure my loan with a damaged vehicle.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to XXXX I was unable to make that payment. As soon as I was able to, I got my account caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HFC Mortgage Statement and HFC Account page amounts are not the same. 
Statement YTD owed should be {$18000.00} ( 5mos. @ $ XXXX2mos. @ {$2600.00} ) YTD I 've paid {$12000.00} Difference should be $ XXXX not {$5200.00} ( amt. on HFC Acct. page ) or {$8000.00} ( amt. HFC Statement ) The only way I can make either of those totals is if I add XXXX month at the old rate to the correct difference {$5400.00} + $ XXXX {$8000.00}. 
HFC has lost/misplaced/misapplied XXXX previous mortgage payments. I wonder if it has happened again?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TURN OF EVENTS 1. I receive an email from XXXX XXXX ( XXXX ) to XXXX  his son XXXX on XX/XX/2022, XXXX XXXX 2. This followed a further conversation on the email as has been provided. He said that he wanted to pay an advance for 12 sessions which would have amounted to {$420.00}, because I charge {$35.00} an hour. 
3. On XX/XX/2022 he emailed me that his attorney had sent a cheque to of the value {$1900.00}. He claimed that it was a mistake and the excess amount was meant for his nanny XXXX XXXX. 
4. I received the cheque via XXXX on XX/XX/2022. I tried to deposit it online via the PNC mobile app but the transaction did not occur. He said that his son was ill and he required the amount. So I sent out XXXX XXXX transactions to the id XXXX XXXX. One was for {$1500.00} and another was for {$420.00}. I had done this payment completely using my money since the cheque wasnt even deposited at that time. 
5. I deposited the Cheque on XX/XX/2022 and it showed on my account that the money was credited. 
6. I received a second cheque on XX/XX/2022 via XXXX It got deposited on XX/XX/2022 and it showed on my account that the money was credited. 
7. He once again asked me transfer the entire money to him. This time I sent out 2 XXXX payments and one XXXX payment only when it showed that the money was credited to my account. XXXX XXXX payment was to XXXX XXXX for {$500.00} on the id XXXX and the other XXXX payment was to XXXX XXXX for {$420.00} on the id XXXX. 
8. The first cheque got rejected on XX/XX/2022. 
9. The second cheque got rejected on XX/XX/2022. 
10. I received a third XXXX mail on XX/XX/2022. 
11. I was contacted via two phone numbers, XXXX and XXXX. 
THINGS THAT HAVE HAPPENED REGARDING THIS 1. I had filed a dispute for all the XXXX and XXXX transactions. 
2. There might be a time discrepancy because transactions are first shown to be pending and then they get posted. 
3. PNC Bank has completely frozen all my accounts even though I told them I didnt know that the cheque that I had received were fraudulent. 
4.I do not have any money currently because the bank didn't even give me access to my salary for the month of XXXX that was credited to the account days after the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of violent crime. I am not responsible for this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Hello. Our daughters Private student loans are being uncooperative as to extra fees, taking parents off as co-signers and ability to consolidate loans for better rate equals saving and lower, payments. We have asked repeatedly. They also call repeatedly harassing us at our home which is illegal. Lenders are XXXX XXXX and Mohela..these loans are from 2006 it 's time that this is paid off and matter closed. Our daughter needs her life back so do we. 
XXXX 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 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/2022, I accepted a XXXX XXXX Interest for 12 months Balance Transfer offer from Capital One. I paid for the privilege ( a XXXX XXXX  fee of {$120.00} ) for a {$6000.00} balance transfer. I have paid $ XXXX {$1000.00} extra on my bill each month in order to pay it off in the 12 months allotted. 

As I am eight months in, I sought to decipher exactly where I am on that payment. I have paid {$4500.00} beyond my monthly bill in this timeframe, meaning my remaining balance should be {$1500.00}. Therefore I find this line on my current statement quite disconcerting : " PROMO PURCHASE N GRACE : {$4200.00}. '' Where did THAT number come from? 

I logged in to my account online, and ( save for the forensic accounting of my statements ) can find absolutely nowhere any information about this Balance Transfer Promo and remaining balance thereof. 

So I called XXXX and spoke with a very nice customer service agent about this omission. We also discussed the fact that NOWHERE on my monthly statements shows anything about the diminution of said Balance Transfer balance. When asked whether I can make a payment targeted specifically at the remaining promo balance, the answer is NO. 

Personally, I am savvy enough that this Balance Transfer will be cleared well in advance of 12 months time, and any attempt by Capital One to apply the ( currently ) XXXX XXXX Cash Advance fee to my account will promptly land them in court. 

But why the obfuscation? Could it be that XXXX WANTS customers who take them up on the offer to forget all about that deal? And thereby incur that Cash Advance interest rate retroactive to the date of Balance Transfer? OF COURSE THEY DO! 

How is this not XXXX? How is this not Illegal? Banking XXXX, perhaps?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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:
There are 13 accounts on my credit report from all three bureaus that are not mine and I have been disputing this since the beginning of the year and nothing seems to be happening these accounts do not belong to me they are not mine I dont knwo how else to do this!!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: ENCORE CAPITAL GROUP INC.
State: AE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a soldier in the XXXX XXXX XXXX, in 2011 while I was in training at XXXX XXXX XXXX I purchased a wireless hotspot from the telephone company XXXX. After I was done with training I PCS to XXXX XXXX XXXX where XXXX did not offer the option of a hotspot so I was able to cancel my contract under that fact and also under the SCRA Act ( Servicemembers Civil Relief Act ), without the penalty of a cancellation fee. This was not done even after the fact that i had fax in all the required documents. I have tried numerous times to resolve this issue with the debt collectors but they are not willing to accept just my military contract showing that i was stationed in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed bankruptcy in XX/XX/XXXX, and it was discharged in XX/XX/XXXX. I had a platinum card with American Express that was included in the filing. I have been fairly successful rebuilding my credit, but each time I have tried to get a card with AMEX, even a corporate card, I was denied due to having an outstanding balance. When I have called in to inquire about my denial, they have indicated that I could get a card, if I paid off my old balance. That does n't seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing because I wrote the 3 Bureaus over 2 months ago and still have not received any update on my complaints with the fraudulent late payments that they have put on my account. The one company XXXX is known for putting late payments on customers accounts even when they paid on time. I never even authorized any furnishers to report any of my information which is a violation in itself and its been over 2 months with no update which is also a violation of getting back to me in a reasonable amount of time. I would like these accounts updated to paid as agreed because I never been late on any payments. If not I will have to seek litigation because they are putting in fraudulent claims and messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Social Finance, Inc.
State: NV
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:
Last year I discovered a false account with SFLNDCORP reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and SFLNDCORP conducted an investigation. The issue was solved and SFLNDCORP stopped reporting the account. I was notified by XXXX  and XXXX  that the account was no longer being reported and my report was updated. XXXX, however still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I signed up for an account and was assured that when spending {$10000.00} I would be grand XXXX Membership Rewards points from American Express. After the points did not post properly I called in and was assured by multiple supervisors that I would get my points. I was just informed minutes ago that these points would not post. I am a bit confused as to why I was lied to by multiple supervisors at American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I had emergency surgery, I was out of work for weeks. My mortgage is with HSBC. I applied for a loan mod and was denied. my interest rate is 9.8 %. I refinanced with HSBC in XX/XX/XXXX and they told me to make my payments on time for a year and then they would refinance me. One year later I called them to refinance and their response was, that in XX/XX/XXXX they closed all of their offices except the main office, and they were not doing any loans. They knew this, when I refinanced with them in XX/XX/XXXX, in other words they told me a bare faced lie! Now i 'm XXXX and am self-employed and I do n't want to lose my home, but am strapped tight. When I had my surgery, I lost a customer and have n't been able to replace them. My payment with HSBC is {$140000.00} a month. I need help and I could afford a lower payment and meet all my other bills and needs. I have called every finance company possible and they all tell me the same thing my debt ratio is too low. My credit score is fair. I feel that something needs to be done about HSBC. It seems like they would n't want me to foreclose and work with me and their other customers, instead of losing money. I checked on HSBC and their are a lot of scams that they have done to many of their customers. I just do n't understand how they can continue to get by with this. I cant apply for the HARP program because my loan is n't owned by XXXX or XXXX. The economy is going up all the time and I need help! Thanks, XXXX XXXX

Company response to consumer: Closed with explanation