BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a dispute with a negative, item on my account that has been paid, it was originally delinquent XX/XX/2007 and because of that it has been over 7 years and should be removed from my account, the creditor and or the reporting agencies keep changing the date of delinquency, I have an old credit report showing the info and a new XXXX showing that it keeps changing. I have filed disputes but all I get out of it is the date delinquency getting newer and will take longer to be removed. I have included the XXXX reports from equifax but I have had the same treatment from all XXXX agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I receive refinance information multiple times from my mortgage processor caliber home loans. I am interested in short refinance program FHA loan and this offer ends by the end of this year. I found a lender willing to do the loan but because caliber has my information false they have me delinquent in XXXX even though I was not and they have me as having taken out a second Lian even though I have not because my home has been upsidedown since I bought it in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Well, I filed a dispute with my credit card for a large amount of money. A woman named XXXX promised to contact me after calling her supervisor. However, I never heard from her. I left XXXX messages on her machine and also called and left a message for her supervisor. No one ever called me. I asked if there was other information they needed and she said, typically not, your services were not as described. I have protection under my master card credit card agreement, but the part I 'm contacting you about is the failure to communicate. I 've been asking for months, but no one will speak to me. If someone promises to call so I can get my facts together, fine, but now no one at USAA will return my calls. I 've called repeatedly. Then, I got a letter -- much after these events -- asking for all the same information I already filed. This person has mismanaged my case. I explained the details completely and submitted them. She said she did n't need the information and now suddenly she lost all of it. I do n't understand how my case is being mismanaged so terribly and why a supervisor wo n't call me back. It is disturbing. I want my money back. The amount of the dispute should not be in issue. It is within my rights to have the information and be communicated with in a timely manner. The fact that XXXX lost all of my information and sounded confused about my case reveals that she did n't even investigate or look into it. I have a provision in my case that states if the services were not as provided I could have my money back. In this case I left written documentation and forwarded it to USAA. I did everything on my side and now they want me to do it again. no one ever returned a call. I do n't want XXXX, I want a supervisor. and still no one called m back. I have been at the bank with the card for many years. Why ca n't they honor their word to me that I would get my money back?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number is from USAA. They call me between 3 to 5 times each day and i have recieved around 200 calls from them in the last 2 and a half months. I get calls from them first thing in the morning and get calls throughout the day all the way up to about XXXX. I have told them to stop calling me numerous times but they keep at it. Its rediculous how many calls i get from them just in one day. They need to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE. SSN : Dear XXXX : I am a victim of identity theft. Accounts have been established in my name since I was XXXX years of age. I 'm uncertain if my number was issued to someone other than me. The information which appears on my credit report is not my debt. I have n't been able to use my credit because now that I 've become of age negative accounts appear. I was told because it 's in my name and the only way it can be removed is I have to pay it. I have tried to pay them off but I simply ca n't afford it. It 's not fair. I have since contacted a credit counselor who told me there are laws to help me. I have notified the creditor and Equifax and they failed to remove the accounts. Upon seeking employment, I was denied due to the negative credit report. I have filed a police report, please find attached. XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus and govern entities. 
The items that should be blocked or deleted are : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX and Account Number ( XXXX ) : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection of XXXX XXXX I am requesting you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have given notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report. 
A copy of my Identity Theft Report and Proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
XXXX Filed Complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed items on credit report, and I received a letter that stated that they would not be investigating the matter. I would really like for this matter to be resolved, but they are not even trying to fix the items, so I came to you with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA Bank has recently started putting unnecessary holds on my deposits. My only way of making my deposits is via mobile app. My employer does not offer direct deposit. Not every deposit has a hold placed on it, but the holds are typically a week. One hold was for about XXXX of my deposit. My deposits are typically more or less around {$500.00} per week. There are no logical explanations for these holds. I'be been told one reason was because of a nsf that took place in XX/XX/XXXX. I have also been told the reason was because of average balances. And the holds are not on a specific account since the same amount of hold is placed no matter which of my XXXX deposit accounts I deposit my check to. The holds are n't placed on every deposit. I have had XXXX within the last three months. I 'm sick of this! This is my money, I earned it! I 'm tired of the XXXX excuses! If the American working force can not have better control over their hard earned money, then perhaps we need to do away with banking institutions entirely. USAA is suppose to be a bank for veterans, yet this type of activity is nothing more than harassment. I have had, supposedly since they ca n't tell me specifics about XXXX, XXXX nsf transactions in the over four years i 've been banking with them. I have had only one hold placed on my deposit prior to the last three months and that was over three years ago. I keep getting told it 's now government regulation and that they are doing it to protect me. XXXX! And apparently I am not the only customer having this issue. I have spoke with several having the same or similar problem. I filed a complaint with the FDIC, who sent me an email saying they had forwarded my complaint to you folks. That email was received XX/XX/2016. I have yet to hear from you on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
MOHELA does not allow payments to be made on accrued interest for existing loans if you continue to borrow. So you can not reduce the interest that will be owed on your loans when you graduate. This information is not clearly available anywhere on their website, and when attempting to pay off my accrued interest via phone, which is apparently the only way to direct payments, the representative assured me that my payment would be applied as directed. It was not until checking my account the following week that I was made aware of the error. Finally after calling another different representative they finally informed me that their rules did not allow my intent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
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: Account status incorrect

Complaint:
XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies XXXX, XXXX and XXXX which was not accurate because the balance was paid and applied to XXXX XXXX XXXX. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: EQUIFAX, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, Equifax , and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am writing to let you know of the " shady '' business practice by American Express. 

On XXXX I signed up for an American express gold card, in order to receive the miles. After receiving the cards in the mail, I was informed that since I was a previous card holder of American express ( 3 years ago ), I was n't eligible for the points. 

I requested that she close my cards, which she did immediately. Customer agent then informed me that since I did not qualify for the miles/ bonus, that also affected my card membership. Now, I was responsible for the XXXX $ annual fee. I am positive they bury any reference to this exception in fine print, and never at any point did they inform me of this exception. 
Furthermore, the customer service rep told me that my APR would be % 15, since I did n't qualify for the promotion, it was supposed to be XXXX. On top of that, they still allowed me to open the credit, without informing me until the credit card was open? 
Now, if I do not pay they will fine me and this blemish will hurt my credit. 

1 ) Is there no protection for the " common man ''? 
2 ) At what point does the ability of Big business to manipulate the common man become a form of racketeering? 
3 ) How much money is made touting these shady promotional offers? 

I XXXX, to come home to this kind of treatment? I am asking that you stop American Express from this fraudulent practice. 

Futhermore, I contacted my congressional office and they pointed me to CFPB. 
respectively XXXX XXXX XXXX American Express card #

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been dealing with Midland Credit Management over a debt. We agreed upon a XXXX month term of paying XXXX a month for XXXX months. I have paid for the XXXX months and when I called to verify with them they said I had to pay for XXXX months and that I still owe them. I requested a copy of the original settlement letter by email. They said they can not send that over email, I then asked for it to be mailed to my home address, they said they are only allowed to fax the letter. I informed them that I do not have a fax machine and they told me that they will not email, or mail me the letter because it violates federal laws. I am confused and I can not find my copy of the original settlement letter. I have paid the agreed upon amount and the agreed upon months and now I am hard pressed to pay XXXX more months with no justification except this company saying I have to. I also called on XXXX of 2015. At that time I spoke with a representative who told me that I would be done with all payments in XXXX of 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is the second time I have filed this same dispute with Equifax. The first time I sent the documentation that the recorded State Lein was Released along with the notation from the State stating THERE WERE NO FEES AND THE LIEN WAS FILED IN ERROR. I then filed again ( with the same documentation ), and noted that it clearly stated the LIEN WAS FILED IN ERROR, yet they still refuse to removed it off my credit. I was on the phone with them for 42 minutes today, and they refuse to remove it. They just say the document says the Lien was released. Then I say well of course they had to release it, it was invalid. Then I ask them " do you see that it clearly states in BOLD the lien was filed in error? '' They say " yes, but it was released and that is all we will change ''. I even pointed out to them their own Policy clearly states if it was filed in error it will be removed. They just refuse to remove this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
It has been its longest while since American Express has been refusing to comply with my request of replacing my card. American express has been notifies of my account being compromised and dispute charges mentioned. American express has denied to comply with my request nor did Amex replace my card. On top of all this, Amex has not yet resolved my issues with BlueBird Amex account. Their discriminative approach and racist actions are limitless. 
Appropriate proof will be provided upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am in receipt of communications from a Law Firm Named XXXX, XXXX, XXXX, XXXX and XXXX XXXX. They are representing Midland Funding LLC. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My ex-wife has custody of our children and is the responsible party for medical bills, after pay them she is to submit copies to me so that I can reimburse her. 

A debt collector is calling for a doctor demanding that I pay. For some reason my information was given and not my ex-wife 's. I have given the debt collector the information but instead of call the proper person they keep calling me. I have also suggested they send me a copy of the bill but since I do not live at the address they have of record they will not provide me with any papers and simply say 'it has already been sent to the correct address. ' Heck, the doctor provided a service and deserves payment but I can not pay without seeing what it is that I am paying. 

Since I am not the responsible party, ( they do n't even ask for me on the phone but rather the XXXX child - they did n't even have my name until I gave it ), all I ask is they stop calling me 3 times a day or send me a copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed several errors and duplicates on my report, TransUnion has failed to provide me a response to my disputes. They have accounts on my report from dates that are not valid or I was not living in the state of Arizona at the time so they do not belong to me. They have duplicates, they fail to investigate correctly. They only allow one dispute at a time on-line, I sent them a letter and still no resolve.

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 2016-10-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Financial ( Case number : XXXX ) stated they were closing the account on XX/XX/2016 and as of today they have not closed or advised credit bureaus. This still shows on all three credit bureaus. They need to follow through and close it as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that both the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: ENCORE CAPITAL GROUP INC.
State: MD
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 have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fees

Complaint:
This card was originally loaded with XXXX. I must have misplaced it and forgotten about it. I recently located it and checked the balance. It is now XXXX. The card expired XX/XX/XXXX. I called and was told they will not reissue a card and I now am unable to collect the XXXX. That is wrong. I understand about the XXXX monthly rip off fee. I should be able to collect the remaining XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
This company keeps calling here all day and leaves no message the calls are getting out of hand. I have no idea why they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over 60 phone calls in a 3 day period and harassment of my children if they happen to answer. They constantly ignore when told to cease all communication..

Company response to consumer: Closed with non-monetary relief