BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-25
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have paid {$100.00} per month after setting up a payment plan since I finally heard from Ability Recovery. In total I have paid {$300.00} to date. The original creditor was XXXX XXXX XXXX XXXX XXXX. I was in the process of moving and received no notification of not only my right to dispute, but even that there was a debt. I found out about it pulling my credit report to find why my score had dropped. 

The reason for not knowing there was a debt was that I had confirmed with the hospital my debt had been cleared due to income. As far as I had been told, I had no outstanding debt.

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 2022-05-05
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed bankruptcy in XXXX but my lawyer would not include my student loan because Sallie Mae told me it was not eligible. I didn't even get the chance to ask a judge. I was told there is no Income-driven repayment plan available for me and that my loans would never be discharged after 20-25 years. I remember that day clearly because any ounce of hope I had left of being relieved of this burden left me in an instance. I attended XXXX XXXX XXXX XXXX XXXX XXXX at the Cooking and XXXX XXXX of XXXX which has since been closed down due to misleading students when it came to their private student loans. I submitted an application for loan forgiveness through the Borrow Defense program but I was denied. I submitted an application for reconsideration in XXXX of XXXX but have never received any other correspondence. My original loan amount in XXXX was {$33000.00}. As of today, almost 20 years later, I have paid over {$51000.00} back and I still owe over {$49000.00} due to interest and fees. That is just in private student loan. That does not include my federal student loan. The latest I ever was on a payment was 2 days short of going into default. I begged family members for money to make a payment to avoid going into default. Today I find that was a crucial mistake given the new settlement that I may have been eligible for if I had just let it go. My grandmother was my cosigner because my credit score was too low to get the loan on my own. After constantly being late and missing payments, my grandmother was so upset that she stopped talking to me. Unfortunately, we were unable to mend our relationship before she passed in XXXX. This is the story of thousands of private student loan borrowers, not just myself. It really is sad that this has happened to so many Americans who were just trying to better their lives. Now I sit alone because I'm so far in student loan debt that I can never get out. Which means I can never buy a home, or build a family. I can never get married with this financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
On XX/XX/2016 a deposit in the amount of {$1500.00} was paid to XXXX in XXXX XXXX to reserve this venue for a wedding to take place on XX/XX/2016. Payment was made using the American Express Card. 
On XX/XX/XXXX the event was cancelled and XXXX agreed to return the full amount. 
On XX/XX/2016 XXXX made the full refund of the {$1500.00}. 
American Express claims to not have received any refund and does not reflect any credit on the account. 
On XX/XX/2016 at XXXX pm Eastern Time I called American Express and talked to a person by the name of XXXX who claimed that his computer terminal did not reflect any refunds. He said he would open an investigation and it would take around XXXX weeks to complete the investigation. He gave it the number XXXX. 
I feel that this is not acceptable in any manner or form. I am certain that after XXXX weeks they will claim that they could not find anything and they need another XXXX weeks. I am being the victim of a fraudulent action by American Express and I request quick government action to resolve this matter in a short time. 
I have the documentary evidence submitted to me by XXXX that clearly shows the refund was made. The document has the deposit receipt from XXXX, the original payment and the refund made. 
Your help in this matter will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2015, this company received my request for validation for a frivolous debt they had reported on my credit report. The company failed to provide me with any former validation, at the same time they persevered with reporting the account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The Huntington National Bank, XXXX XXXX  XXXX XXXX, OH XXXX sent me a promotion. That I can open a Business checking account and if I meet some criteria I can get {$750.00} bonus. So, I called the Local Huntington Branch at XXXX, IL and wanted to open the account. They said due to COVID 19 I have to set up a time and come in. I said OK. Then she asked if I have all the required docs, I said yes. She confirmed I could use my SNN and Dl to open the account as sole proprietor. As we were deciding on a good time, I told her I have a coupon whereby I can get {$750.00}. She said I am only going to allow you to open the account if you do not use the coupon. I said why? She did not, could not give a valid reason. She refused to open my account.So I called Huntington National Bank helpline and raised the issue. The agent told me that the branch manager who had refused did not have a right to and she said someone would call me back to resolve the issue. This was about 2 weeks ago. Today was the last day to use the coupon, no one called me. XXXX who had noted my complaint was called " XXXX ''. The branch manager that refused to open my account was XXXX XXXX. 
Can they do this? Is this legal for a bank or its rep to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NJ
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 is an account for a timeshare company ( XXXX XXXX XXXX XXXX ) listed on my credit report. I sent separate certified letters to both the company ( XXXX XXXX in FL ) and the Credit Bureaus ( Equifax and XXXX ) disputing this account. I asked for validation of this account and a signed contractual affidavit showing that this was indeed my account and not a mistake on their end. I received documentation from the credit bureau as the item being updated but nothing showing a signed contract. I have yet to receive any documentation from the company ( XXXX XXXX ) regarding this account. This account is currently listed on my credit reports as a negative item with a balance of {$14000.00}. I have never had an account with ( XXXX XXXX XXXX XXXX ) and do not even own a timeshare. I have never utilized any services related to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
DESPITE DISPUTING WITH ALL 3 BUREAUS FOR THE PAST YEAR ONLY CERTAIN ACCOUNTS HAVE BEEN REMOVED FROM MY CREDIT REPORT. ALL CORRESPONDENCE HAVE BEEN VIA CERTIFIED MAIL, I'VE EVEN WENT TO THE LENGTHS OF HAVING THESE LETTERS PROVING FCRA VIOLATIONS NOTARIZED. PLEASE REVIEW ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I used to live with my sister in XXXX, and we agreed to have the cable company under my name which is call XXXX, but apparently she stoled my information to put the light under my name too and i wasnt aware of it. I just lived in XXXX with her for a year. I notice that i had this dept from XXXX XXXX after it was already in collection because i wasnt aware of this. She never told me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX should not be reporting a repossession on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never late on a payment however, there were ( 2 ) ACH payments that were credited back to my account. ( I have attached a copy of the bank statements ). There had been fraudulent activity on my account and when I saw the ( 2 ) ACH payments I disputed them with the bank. I was not sure who these transactions were from. I later discovered that the transactions were from XXXX. I immediately allowed the payments to process. I contacted XXXX and was assured the account was in good standing. Before I knew it the vehicle was repossessed. This banking error was through no fault of my own and consequently the reporting of the repossession on my credit report is in error. I have included bank statements as well showing that I did make on-time monthly payments as scheduled on this account. The false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX  as well as the bureaus to remove this line item however, I have not been successful.

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 2016-05-11
Company: TRANSWORLD SYSTEMS INC
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 do n't know what the calls are concerning as I do n't owe any debtors other than those debts that are active and payments current. I have repeatedly requested Transworld Systems, Inc/XXXX XXXX - XXXX XXXX to stop the phone calls to my employer. Since my first request on XXXX XXXX via fax to the Transworld they have repeatedly ignored my four ( 4 ) faxes to stop the phone calls and since the initial fax I have received over XXXX XXXX documented phone calls to my employer. It 's threatening my employment as my duties are to answer phone calls. I want the calls to stop and Transworld to provide written documentation of the debt. To date no correspondence has been forwarded to my mailing/home address to dispute the claim. I need assistance immediately to have the phone calls cease to keep my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I am writing to you today about a prepaid card service that closed my prepaid account, took my money and has held it for nearly 2 months. I have called them regularly but every time I ask about this issue I am given the run around. Below is my account of the situation and I hope you will help me resolve this matter. 

On XXXX I used my Serve Prepaid cards to purchase airline tickets for myself and my family for an XXXX trip. The trip was planned for XX/XX/XXXX but we later decided that XXXX would be a better destination and so we cancelled out tickets as they were refundable. Of all the tickets, my refund in the amount of {$2500.00} did not process properly ( this was Airline 's error ) and had to be reprocessed in XX/XX/XXXX. This time the refund was properly back to my Serve prepaid card but for some reason the Serve Prepaid system flagged the refund as suspicious and/or against their terms and conditions. Within a matter of 48 hours my wife 's and my Serve prepaid accounts along with the several authorized user cards were closed. I also received an email stating that the refund for the airline ticket was denied and sent back to to the Airline. 

When I called Serve, I explained that the originalrefund was in fact legitimate and originated from a transaction several months prior. I also explained that I had no issues with the refunds from other family member 's and this should not have happened to my account. The representative looked through my past statements dating back to XX/XX/XXXX and found the original transaction pretty easily. She then referred the issue to another department for inquiry and resolution. I would be hearing back from them soon. As of today our accounts remained closed and the balances which were in them ( over {$3000.00} ) has not been refunded. When I call to inquire about our funds or try to get access to account information, past statements and the like I am stonewalled and told none of this information is available. I have no online access to our transactions whatsoever. 

In addition to the $ XXXX that Serve has confiscated, the Finance department of the airline has no record that the XXXX refund was returned to them at all. They say they would easily see this if it was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is incorrectly reporting a lien on my credit report. I have written them twice for evidence that such lien exists and they can not provide me with anything yet they still are reporting it on my credit report. I have also called and disputed this item, but they continue to say it is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Absolute Resolutions Corp.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently been made aware on XX/XX/2021 that ABSOLUTE RESOLUTIONS INVESTMENTS , LLC has purchased my personal and financial location information resulting in the theft of my identity, and are accusing me of owing an alleged debt that has been paid. This debt is also being inaccurately reported to multiple credit reporting agencies without my permissible purpose and is hurting my financial and personal reputation. They have also harassed and threatened me with multiple inconvenient forms of communication such as phone calls and letters stating that they are attempting to collect a debt. This false accusation of alleged debt owed is inaccurate and is defamation of my character, discouraging, and I do not agree with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TRANSUNION IS INCORRECTLY REPORTING LATE PAYMENTS ON A PAID IN FULL CLOSED ACCOUNT. XXXX BANK ACCOUNT # XXXX THIS ACCOUNT WAS NEVER LATE. IT WAS ALWAYS PAID ON TIME AND IS PAID IN FULL AND CLOSED.TRANSUNION IS INCORRECTLY REPORTING THE DATE THIS ACCOUNT WAS OPENED, THE DATE OPENED DATE IS DIFFERENT THAN WHAT XXXX AND XXXX IS REPORTING. TRANSUNION IS NOT MENTIONING MY NUMEROUS DISPUTES UNDER " COMMENTS ''. 
TRANSUNION IS REPORTING 'DATE LAST ACTIVE ' AS XXXX, EVEN THOUGH I DISPUTED THIS ACCOUNT MANY TIMES SINCE XX/XX/2022, AND TRANSUNION CLAIMS THEY VERFIED THIS ACCOUNT, BUT CLEARLY, THEY DID NOT, PROOF IS IN THE DATE LAST ACTIVE. 
I HAVE YET TO RECEIVE DOCUMENTATION FROM TRANSUNION SHOWING PROOF THAT I WAS LATE WITH ANY PAYMENTS>?? 
VIOLATION AFTER VIOLATION-SO MANY INACCURACIES!! PLEASE REMOVE THIS ACCOUNT IMMEDIATELY.

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 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a bankruptcy that should have been taken off my credit report a long time ago.

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 2016-03-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contacted my mortgage company HSBC XX/XX/XXXX to ask for assistance with my home loan because I have been unemployed since XXXX XXXX XXXX and my unemployment ended XXXX XXXX. According to HSBC website I should have been offered assistance. 
When Mortgage Payment Difficulties Arise If you are an HSBC Mortgage Services ( former Household Mortgage Services ) customer, please visit www.hsbcmortgageservices.com. Not sure? Click here for more information. 
Let us help you find a solution Remember that relief is just a phone call away.Life is not always easy. We understand that, and we 're here to help you. Losing a job, divorce, an illness or a death in the family are just some of the things that can cause a delay in paying your mortgage payment. If you are experiencing or have recently experienced a hardship and are unable to keep up with your mortgage payments, contact us. We 'll work with you to try to make the best of a difficult situation. Call Our Payment Assistance Line at XXXX. 
Instead of getting assistance I was told by XXXX XXXX XXXX XXXX that my condition was temporary and they could not help me unless I had a XXXX or a XXXX XXXX or was dead. They also sent someone to appraise my home which I was not informed about and was shocked when I received the information in the mail. XXXX also said that I had equity in the home as if I could get a loan without a job, and was told I could appeal which makes no sense because they never tried to help me. I am turning XXXX soon and finding a job at my age has been extremely difficult even more so because I have more than 17 years of experience. I have paid my mortgage since XX/XX/XXXX and I believe that HSBC is falsely advertising that they offer assistance to homeowners who have lost a job like I have. They even post this information on their website which again indicates they will help you. 
Consumer Advisory Please be aware of Mortgage Modification Scams and Foreclosure Rescue Scams. HSBC Bank USA , N.A . should be your starting point for finding options to resolve delinquency or avoid foreclosure. Your first step is to call Payment Assistance at XXXX. 
I do not understand how what they are doing is legal ; providing false information like this. 
When I asked for a copy of the note I was told this would take a month to get. I wasted precious time believing assistance would be offered to me when clearly it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. 
++these bills are over 10 years old XXXX they should be removed from my credit reprt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-08
Company: EQUIFAX, INC.
State: NY
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:
To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, AND XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 Any financial institution is forbidden from sharing my information with third parties.

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