BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I called customer service to obtain information about foreign exchange fees and was advised that they did n't apply to my account prior to traveling to XXXX. When foreign exchange fees appeared on my statement I called customer service again and I was advised that my card holder agreement indicated that foreign exchange fees applied to my account. When I complained about being provided misinformation on my previous call I was told that American Express provides appropriate training to their representatives, however, the cardholder agreement superceeded information that customer service representatives provided. When I initially called I was not offered a copy of my cardholder agreement and I was not advised that the cardholder agreement superceeded information that representatives provide. I was also advised that American Express did not have a customer complaint department and did not have a process to handle customer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
attn : CFPB + FDIC Ombudsman Missing international $ wire transaction date XXXX, 2016 sender __me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank HSBC HSBC Bank XXXX XXXX Limited Registered Office : HSBC House , XXXX , XXXX XXXX , XXXX , XXXX XXXX Registered Number XXXX Incorporated in XXXX , XXXX XXXX and regulated by the XXXX Financial Services Commission Regulated in the XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire transaction XXXX, HSBC XXXX -ABA routing XXXX SWIFT code is XXXX XXXX XXXX XXXX # XXXX revised XXXX XXXX ( details amended ) This wire was never received by the recipient. XXXX XXXX XXXX HSBC XXXX is aware, BUT yet unable or unwilling to trace the missing funds My bank official will confirm XXXX XXXX, XXXX Assistant Vice President - Member Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH, XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Please call today __XXXX, XXXX, cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2015 I was online trying to book some tickets XXXX. When I went to purchase the tickets and try to use my bluebird XXXX American express XXXX credit card number the transaction was declined. I then had to use another credit card to purchase the tickets. A few minutes later I went to pay something with my bluebird card and was denied again. I logged in my account and found that the transaction for the tickets XXXX was pending and taken out from my bluebird balance. I called American Express and they told me to call XXXX and that they would reverse the transaction. I then called XXXX and was told that they are not allowed to reverse transactions that bluebird had to put the money back in my account. After an hour of back and forth I was told by XXXX Employee No : XXXX ( manager from bluebird ) that they could not put my funds back in my account until XXXX working days, How could they hold my money for XXXX days for nothing that is my fault. Who is making the interest on these funds while they are in pending transactions. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
X/XX/2017 Navient is the collector I made a payment in the amount {$500.00} towards my " 1-01 Stafford - Unsubsidized '' loan which has an interest rate of 6.55 %. However, Navient ran the payment towards my " 1-01 Direct Loan - Subsidized '' loan which has an interest rate of 3.15 %. I know for a fact that I made the correct payment towards the loan I desired, and had even done the payment with a Navient representative on the phone.
I called Navient X/XX/2017 with regards to the issue and received a response that there was a mistake with the payment processing. I find it very hard to believe this occurred by mistake as I have been made aware of multiple instances that this has occurred with other individuals ; citing Lawsuit filed XX/XX/2017 by CFPB.
To make matters worse, I was told that the refunded payment would not reach my account for 4-6 weeks, meaning that I will be charged the 6.55 % interest for another payment term on the current balance. This will result in an extra interest charge of {$32.00} ( {$500.00} * 6.55 % ) to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
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 Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1 ) When we were offered our loan modification, we were given just one day to go over the documents, sign, and return them ( I have email proof of this ). This did not give us time to seek help in understanding the terms of the agreement. Therefore, we ended up with a balloon payment not really knowing what that meant. If we did n't sign right away, we would have just made all of the trial modifications for nothing and lost the house at that point. We worked so hard for over a year trying to get this modification, we signed not really understanding what we signed. I ca n't believe that it is legal to give borrowers 24 hours to sign such important paperwork. 

2 ) When our renters were unable to make timely payments on the property, we fell behind. I contacted the mortgage company to make a repayment arrangement. I was told to fill out a complete modification package, and then received notice that I was denied. When I was finally able to speak to someone about this, I was told that I did n't really need to fill out all of that paperwork and that they had requested it by mistake.The denial letter was for a modification, which I did not request. I had requested a PAYMENT PLAN to catch up. At that time, I requested a repayment plan over the phone, was given an apx. amount and was told I would be sent paperwork. When I did not receive paperwork, I tried multiple times to reach my point of contact, but was never able to get her, or even that department. I never received an actual amount, or date, to pay.No paperwork no call, no email. I then received notice that I breached the terms of the repayment plan! I never received any terms!! How can I breach something I did n't even see, sign, or know about?? 

3 ) I am never able to get a hold of anyone in their Home Retention Department. Despite calling at their advertised open hours, I am put on hold, transferred, told that they must have left for the day, all the while never getting the information that I need. I am always told by customer service that they ca n't help me and that I need to call back. 

After all of this, I want to sell the home. But, because of the balloon payment that was not explained to us, we wo n't be able to get enough out of the home to pay off the new loan amount. I am afraid to deal with Carrington directly, as I have had nothing but issues with them, as you can see. 

We have been swindled!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Back in and around XX/XX/XXXX, My spouse and I went to XXXX for new carpet. The installers came and while our sitter was there installed the wrong carpet. We notified XXXX and they said they would correct. The installers came back a few days later and removed the carpet. so now we had plywood floors with XXXX children. XXXX went buy and XXXX was unable to get the job done. They had issues with the installer and they would not complete unless XXXX paid them again. so they pointed fingers at each other. The carpet was purchased on a new XXXX 's credit card same as cash for 6 months. We cancelled the order after of months of frustration and went to XXXX XXXX for carpet which was installed in a week and just in time for the Holidays. XXXX was to refund the entire order and then cancel our card at our request. About a month later I received and Invoice from XXXX XXXX Now Midland Funding XXXX They said it was not paid. I called the local XXXX and the manager said he took to his corporate office and would be resolved. Fast forward to about XX/XX/XXXX, Never heard anything until I received a letter that I was being sued by XXXX for about XXXX. the order at XXXX was {$2100.00}. I went to the hearing and the magistrate told the creditor they had an issue with XXXX and Not XXXX XXXX and case was dismissed. Later that year, I had a XXXX was in XXXX Hospital with XXXX. I believe during that time, they filed for a judgment. I had no letters or notification until the judgement was filed. This was not fair practices and I was so upset. I contacted an attorney and he said they could not collect since everything we had was joint and it would cost me thousands to get removed. How fair is that when and we have been cheated so badly. So nothing happened again until now. The case number at XXXX county court house in PA is XX/XX/XXXX Money Judgement, going to sheriff asking to Levy my property. 
This needs to be corrected as I am a victim of unfair business practices. According to XXXX back then the balance was all credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I received an email notification suggesting I have a monthly statement available for an American Express Serve card. I visited the site and upon completing a forgotten password routine and accessing the account I was informed that my account had been created and that I would receive an American Express Serve Card in the mail within 7-10 days. I promptly called American Express wishing to put a stop to receiving a Serve card to close the account. I was informed I had a {$1.00} credit on the account from a promotion through XXXX XXXX XXXX and that American Express would have to mail me a check. Once I receive the funds I could then call and close the account. I looked up the terms of the account and found that the card has a $ 1 monthly fee associated with it and am not comfortable receiving a check without closing the account as I do not wish to have a balance due or have any obligation to American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: MA
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:
On XX/XX/XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XX/XX/XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XX/XX/XXXX on my student loans from XXXX and Granite State Mangement, both XXXX and GSMR agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and Granite State Management and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But Granite State Management status is listed as Open as Unknown. I called Granite State Management and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and Granite State Management repeated the same and said they were not obligated to clear it up now. I complained to XXXX,  XXXX and XXXX and they say I have to get Granite State Management to clear it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had a mortgage with HSBC for 30 years. In XXXX HSBC transferred our loan to their HFC/Beneficial division where we have been till now. We were given a three month deferment/forbearance some time ago after I spoke with them about my husbands XXXX and our financial situation and resulting late payments. This took the end of our loan to XXXX XXXX. They denied us a modification. Now we were just notified that the deferment has been taken away and the original loan maturity date reinstated being XXXX XXXX. Our payments are/were current as of XXXX XXXX. Now they want the amount of {$4200.00} as final payment which is shocking as well as incorrect. It does not reflect XXXX payment they received and accepted. Also if all payments are current with no past due amount, then where is the amount in principal of {$2400.00} from? there should only be the three months worth of forbearance payments they decided to renege on which is {$460.00} x XXXX. I called and got a run around, hung up on and no answers. After 30 years of struggling and finally near the end and owning our home they are pulling this. Its not the fact that we do not want to make final payment on our home so we can finally retire but the fact that again HSBC is playing games, changing dates and padding amounts due that is unethical. Now we have to scramble to try and find the money before they again try to take our home!! Which they will definitely do with out payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Experian Information Solutions Inc.
State: SC
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:
My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru  XXXX ,  XXXX  ; -  XXXX  thru  XXXX   XXXX .     I have written to the lender many occasions and have not received a response.

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 2016-04-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX, XXXX, in XXXX Illinois is trying to collect on a debt that was under MIDLAND FUNDING LLC or MIDLAND CREDIT MANAGEMENT LLC This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact XXXX XXXX XXXX but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY MIDLAND FUNDING LLC was informed of my bankruptcy by my attorney and / or representative

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX Bank has confirmed the current amount owed is {$430.00}. I did not agree to pay Asset Acceptance the amount they claim I owe XXXX {$630.00} XXXX, and has verified is correct. The reality that Asset Acceptance has verified an amount that I did not agree to is despicable, and is a violation of the FDCPA section 808 ( 1 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XXXX XXXX, 2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: Rainier Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just found out that XXXX XXXX XXXX sent us to collections. They said they sent us a bill in XXXX XXXX for services provided XXXX. Once they did n't hear from us they sent us straight to collections. I pulled my credit last year ( XXXX ) and I did n't see any medical collections on my report. Further, Rainier Collections NEVER sent us a letter to dispute. Then, to make matters worse, XXXX XXXX XXXX said they did n't bill our insurance as they " typically '' do n't collect that information. This is from an emergency visit to the hospital! Why would n't they bill our insurance like every other doctor that works there. The bill was {$770.00} ( that 's what they told me today ) and the collection agency is trying to collect {$1000.00}. ( 33 % ). I 'm pretty upset because if I saw this bill or had been giving the opportunity to dispute this bill ... .I would have given them my insurance information to settle the debt. ( which I did today..but now my credit is marred! ) This is not only unfair but it makes no sense to avoid billing insurance and ruining someones credit. Then the lady said that even if the insurance pays ... the collection company has the right to continue to bill me the {$250.00} they charged for collections!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never notified of this debt before it was placed on my credit report. I received no notification of any kind. The first I knew of this debt was when the collection companyplaced it on my credit report. If I had received any notification I could of paid it ( whichI have ) I do not think it is ethical or fair to place something on by credit report without eversending me anything requesting payment.

Company response to consumer: Closed with explanation