BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
According to my credit report, there is a collection item showing that does n't make any sense. Not only does it have my XXXX delinquency in XXXX but it also has my account being opened in XXXX. On top of that, the last time I was delinquent on any account was in XXXX. The name of the company showing the collection is Asset Acceptance Corporation. I have requested them to validate the debt to no avail. I am sure they purchased and ancient collection item and put it on my credit report as if it were still within the XXXX. 
As I have stated, I have not been delinquent on any account since XXXX and did NOT open any accounts until XXXX. There should be no retail credit account on my credit report opened in XXXX, XXXX, XXXX, XXXX, or XXXX. My wife added me on as an authorized user on XXXX of her accounts that were open in XXXX and I have student loans opened in those years. I have requested validation of this debt numerous times and I ca n't seem to get them to explain to me how they claim how I went delinquent on an account in XXXX that was OPEN in XXXX. On top of that, I am 100 % sure I NEVER opened any type of retail credit account in the above mentioned years. 
I want Asset Acceptance Corp. to acknowledge that this account on my credit report is re-aged, has become a zombie debt, and needs to be removed immediately. I have no plans on seeking legal action against them at this time, I would just like this resolved. 
Please pull my credit report and verify the information that I am telling you ... there is no other collection item or closed account that correlates with this collection item. Thank you so much for taking my complaint ... not a day goes by when I do n't thank XXXX for XXXX XXXX and all that she has done for the XXXX people. This agency is XXXX more thing to add to her legacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX Balance : {$290.00} Chapter XXXX Bankruptcy XXXX Balance : {$0.00}

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 2015-05-06
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted TSI regarding information on my credit bureau report. I was given my main account number and was transferred to a different department. The woman I spoke with, her main number was XXXX. She was nice until I requested verification of the debt, at which time she told me she would request it but I would likely not receive it since they 'd sent information previously and I had not responded. I told her that they were sending to the wrong address previously, to which she continued to berate me about how I was not cooperating, etc. I told her that I wanted to speak with a supervisor. She XXXX refused to pass me to a supervisor. Then she put me on hold for some time, then came back and told me that she had the XXXX supervisor that was on a conference call and the other that was not at her desk. I told her that I would wait for the conference call supervisor, she had insisted on putting me into voicemail. She then put me on hold again. When she came back, she told me she would give me dates of service over the phone along with patient information and amounts owed. She apparently is not sending me this information, which I had requested. She wanted me to pay the smaller balances over the phone, to which I told her that was in dispute. She is also stating that bills for my husband, which he has a separate insurance and I have not signed as guarantor on his accounts onto mine. She also refused to let me send in payments, she told me if I sent in payments, they would be applied to all the accounts, rather than the XXXX I specified and if I chose to pay for a specific account it would have to be done over the phone. I want to file a complaint against this company and this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I need you to get this company off my back!!!!! I can not afford to pay anything since I am on a fixed income and on XXXX and I am totally XXXX. I plan on filing for bankruptcy come XXXX 2017. If they sue me they wo n't be getting anything from me cause I have nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint reports the unfair debt collection practices on the part of PHH Mortgage Corporation. Please see the enclosed Word document for details. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Joint account with HSBC. The primary holder passed away, and this Bank found numerous ways to prevent the other holder from getting her money, including canceling a Bank to Bank transfer because the name was not exactly the same. The next week they mailed a check but somehow sent it to a wrong made up address and name. This is now 1 month after the other person passed away and the second person still does not have her money and she is a senior citizen. All paperwork was mailed out or faxed to them with current names, addresses, numbers, id, and poa. This bank is very suspicious and shady in its financial dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
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:
Midland Funding has placed a account on my credit and the account was not verified before it was placed on my credit. I have contacted them several times and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened online account on XXXX/XXXX/16 at HSBC. I was contacted on XX/XX/XXXX via email requesting additional documentation which I sent in. I called on XX/XX/XXXX requesting a status update on my account. I was told that that person who was handling my account would contact me. Over two weeks later HSBC has my information they requested and I do not have a status for my new account opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I made two on time full payments to my loan servicing company Mohela and all of the payment was applied to interest, there was no late payment or any other fee 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were going on two months behind on our mortgage with Bank of America. I had lost my job because of downsizing. I had taken out a student loan and gone to school to learn a new profession, but everyone wanted at least two years experience and I had about six months. It was difficult since I was older and the job market was flooded at that time for my profession with a lot of young girls who may be faster or have more experience. Everybody was getting modifications at that time, so we thought we should try for one. We always paid the late fee with our payment if we were past the due date, but Bank of America would return the late fee saying it was n't enough for the next payment. When we went for the modification we were told it would help us get it if we were three months behind. So we did as told and got a " modification '' that was more than {$200.00}. more than the payment we had!! We refused that and by then more behind, asked if we paid up to date if we could just go back to the original payment. They said yes, so my husband got a loan from his retirement fund, we paid that, and for about three months everything was okay. Then they started billing us for the modification amount saying they had to have an escrow account to pay for taxes and insurance, which we never had included before. We always made payments on our insurance and saved for taxes and did not have to worry about paying so much every month They did not tell us if we applied for a modification the escrow was a requirement. Then I had to have XXXX, and XXXX among other medical problems and payments were impossible for us. Bank of America would not take any money except all that was due. So we ended up more behind, then the mortgage went to XXXX and they could not give us a modification with the information they had and more charges were added until we ended up currently being foreclosed with a sale date before the end of this month, we have nowhere to go since we have quite a few pets. We rescued a few and took a couple from loved ones who passed on. I also was just diagnosed with XXXX XXXX and will be having XXXX in about ten days. I am stressed to the max and blame Bank of America for not being honest with their information in the first place, and of course the person we applied for the modification with, no longer works there. I have stacks of notes from calls I made trying to work things out and the person who was in charge of our account kept changing about every month. It has been a very bad situation from the beginning. Our credit has been ruined which also affects our getting someplace to live. I am on XXXX and my husband had to retire from his job because of his age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: IL
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 Debt Reporting Act. 

XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX  XXXX account # XXXX has violated my righs. 
XXXX XXXX account # XXXX has violated my rights XXXX XXXX account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX  XXXX  # XXXX has violated my rights 15 U.S, C 1682 Section 602 A. : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish a aaccount without my written instruction.. 

15 U.S.C 1692e Section 8 : updating without showing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, my name is XXXX XXXX and I have a mortgage with Bank of America. The Mortgage # is XXXX. My wife XXXX is also on the loan. I am a retiree from the Bank. 
I am XXXX and get paid on the XXXX Wednesday of each month. I have late charges that I have asked to be reversed due to the fact that the Bank says they cant change the due date. 
The late charges are now showing past due on our credit reports. 
Cab you assist?

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 2016-12-29
Company: GVA Holdings, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Applied for a pay day loan {$500.00}, offered XXXX at the rate of 780 % how is this allowed in the USA??? 

Unsecured Personal Installment Loan by Northern Plains Funding Agreement Date : XXXX/XXXX/2016 Loan # : XXXX Northern Plains Funding , LLC Northern Plains Funding XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN AND DATE THE PAYMENT CHOICE AUTHORIZATION. 

Loan # XXXX ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled. 
780 % {$3300.00} {$500.00} {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: GVA Holdings, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was recently in a financial crunch and needed to meet a child support obligation etc .... I applied online for a payday loan and was lied to about the way the actual payday loans work. As a result I have had to close my bank account and send a Cease and Desist Letter. I still continue to receive threatening phone calls and harassment of my family members.I have paid over {$600.00} in fees without touching the original principle amount of {$500.00}. I am having to retain an attorney to stop the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off in XX/XX/XXXX. I received my final statement from them, validating that i did not owe anything on my account in XX/XX/XXXX. As a matter of fact, my account had a - {$10.00} balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in XXXX of this year, XX/XX/XXXX, i received a letter from midland credit management stating that they bought my account and that i owed {$390.00}. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the XX/XX/XXXX statement showing i paid my balance in full, I paid {$10.00} more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the {$390.00}. I mailed them again requesting validation as to how a - {$10.00} balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. 
XXXX XXXX company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the XXXX major credit reporting agencies every month. XXXX XXXX XXXX. should no longer be reporting anything to my credit bureau after seven years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/2015 I called Bank of America to start the process of modifying my 2nd mortgage on my principal residence. By XX/XX/2015 we had reached an agreement on a modified loan and payment that worked for me. During this process I was told by my account rep. ( XXXX ) and another acct. rep ( who I did not get her name ) that because I did not payoff the loan amount of $ 500k which matured on XX/XX/2015, to keep making the interest only payments on time, but they would be counted as late payments since I did not payoff the loan in full. They also said that once we get this loan modified that Bank of America would go back and clear up and remove all of my " late '' payments. I trusted what they told me, but now that I have done what was asked of me ( to make the 3 trial payments ) they now are telling me that they do not do that. They will not remove the 39 late payments off of my credit report. I feel like I have been mislead and lied to by Bank of America. About 30 days after the loan was modified I called BofA and the rep at that time said to give it more time for them to do that, and now I am being told they just do n't do that.

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 2016-10-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
I recently applied for and was approved for a Citi card after being bombarded with numerous mailings offering 0 % on purchases and balance transfers. I decided to transfer {$9000.00} from another card to take advantage of the 0 % interest rate. Well I just looked at my statement and see that Citi is charging me {$270.00} as a transfer fee. This is completely misleading and I feel as if I 've been misled. {$270.00} is alot of money for someone that is trying to reduce debt and paying for school. On my XXXX credit report I see that Citi has XXXX HARD inquires. They are on XX/XX/2016 and XX/XX/2016. I only applied for XXXX credit card so I fail to see why I have XXXX HARD inquires.

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 2016-08-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
American express makes it so difficult to file a warranty claim now. I filed a claim for a {$21.00} wrist watch that was damaged and per their warranty policy they replace any damaged item within 30 days. They required me to fill out an exhaustive amount of forms and also requested information that is no business of theirs like my home owners insurance policy number. I have been a loyal customer for more years than I can count. No more. I believe they are unfair and deceptive in their descriptions of benefits to card holders. Please investigate the for fraud and unfair and deceptive practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Credit card
Issue: Bankruptcy

Complaint:
I had XXXX credit card accounts with HSBC. They were both discharged in chapter XXXX bankruptcy. On my credit reports they were showing the status as " CHARGED OFF ''. I disputed these accounts with the credit bureaus and they both came back as verified. I then wrote HSBC a certified letter asking them to update these accounts to show that they were " INCLUDED IN BANKRUPTCY ''. I sent the letter certified mail. That was 3 months ago and I have not received a response from them. I then disputed the accounts again in XXXX and once again they came back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Erroneous fees being charged to my account of {$7000.00} on XXXX XXXX 2007. Claims made that the amount covers interest and fees associated with late payments form XXXX XXXX 2007 to XXXX XXXX 2007. This does not add up. 
Any late payments came from the misallocation of funds on their part and not mine. 
Often with HSBC my payments would not be applied to my mortgage and put in holding account. 
I should not have charged the amount in question. The amount is showing up as Deferred Balance.

Company response to consumer: Closed with explanation