BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The inquiries on my credit report were not authorize and I do not have accounts with any of those companies

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 2021-07-04
Company: EQUIFAX, INC.
State: MD
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:
This company is reporting my account twice on my Equifax report. They have different balances and payment information. I have only ever had one account with this company. I submitted a dispute with Equifax but the company is saying that the information is correct. I sent a message to XXXX XXXX and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit Management has outrageously ignored my validation requests for an alleged debt that they say I owe. They have NOT sent me any of the information that I have requested so that I may look it over front and back and verify it as correct/incorrect, mine or not mine. Instead, they simply sent a COPY of a bill as well a two delay/avoidance letters saying they do not understand the nature of the dispute and they need me to send them documents! I do NOT have any documents hence the reason I am asking THEM for validation of what they claim I owe them.They need to show me the documents that I have requested. All along they are continuing to report this to all XXXX credit bureaus and in their letters, they state that they are attempting to collect a debt ... which both violate FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Midland Funding threatened me with a lawsuit, if I do n't pay at XXXX debt. 

Sent then a letter asking for verification of the debt. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I HAVE TRIED TO DISPUTE THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: CMRE Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This was paid by my insurance company so I do n't understand why they still need me to pay it

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 2017-03-10
Company: First Federal Credit Control, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the first I hear of this agency trying to collect debt from me. I have no idea who they are nor how to contact them. I have always had insurance to cover my medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Colony Brands, 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: LTD Financial Services, L.P.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I 'm actually the third party in this case. 

I received a call and a voicemail from XXXX LTD Financial. She identified herself and the company as a debt collector and asked me to provide call her back at XXXX XXXX XXXX XXXX and provide a certain reference number. 

I called back and never identified myself. I provided the reference number to XXXX and asked who she was trying to reach. She gave me the name of someone who is not me and I said that I verified that I was not that person, then she read back the reference number incorrectly, and I corrected the reference number and she gave me a second name. This was not me either. She asked if I knew the person and to tell them to call her. 

It seems wrong that they could be telling me or anyone else that someone else is behind on their debts based on mistaken contact information. If I 'm not mistaken this is also illegal under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX On XXXX XXXX, 2016, I was forced to sign a bad offer from Ocwen. Ocwen is a predator in terms of servicing and loan modification under the HAMP tier 2 program sponsored by the Federal Government. 

I was unemployed since about XXXX 2016 to XXXX 2016. At that same time within the original hamp modifications, my mortgaged had just adjusted and it was due to be a major increase in paymets from XXXX to XXXX per month approx in XXXX. 

During this time, I was in financial duress due to my unemployment. I was concerned about my current mortgage responsibilities. 
I called Ocwen about any possible remodificatiosn and they told me they coul dput me on a program. 

I applied and supplied proof of my unemployment income and my monthly statements. 

I qualified for the Hamp tier XXXX. However as soon as I was told that I was been put into a 3 month trial period, I asked Ocwen for detail full disclosure to include include amortization plan. 

Ocwen refused to provied any such information even XXXX try to get that information from them to no avail. 

The day beofore they terms of the offer was due, they gave me some level of explanations and details but yet still no full disclosure. 

Since, I faced the possibility of going into a foreclosure path, and my credit would be reuined, I was forced to accept the very bad deal in order to protect the home and my family. 

Ocwen, violated my right as an american consumer with utter disregard of the banking regualtions to and good faith estimate to provide timely information even at the request from an officer of the court. 

Please, allow me full legal consideration for this issue with ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America has closed my account and have been holding my funds for over 30 days. I contacted the bank and asked for a eta for receiving a cashier check and they can not provide me any details.

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 monetary relief
Consumer complaint received 2016-06-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Credit card
Issue: Other

Complaint:
Upon reviewing my credit report I noted an XXXX credit card on my account that I have no recollection of opening. I submitted a dispute with the Reporting Bureau XXXX and it came back verified. I mailed a certified letter to XXXX on XXXX XXXX asking for validation of this debt and just received a response letter from them on XXXX XXXX. Their letter stated the following : The contract date was XXXX XXXX and there was a payment in the amount of {$50.00} in XX/XX/XXXX and the date of first delinquency was XXXX XXXX. They also stated it was sold to a collection agency called XXXX XXXX in XXXX XXXX. They also noted that they sent my recent correspondence to XXXX. They also reviewed the reporting and stated in their letter that they were inaccurately reporting to XXXX and would update my report. Per my letter requesting validation of this debt they have failed to provide my any evidence that this account is mine. I wish to have this inaccurate information removed from all XXXX credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is indicating that the account I allegedly had with XXXX XXXX is chargeoff. Their reporting the account that has been closed for years as chargeoff monthly this is drastically affecting my credit report, just by me exercising my consumer right and disputing this account as a penalty Experian is monthly reporting a charge off and Reaging my debt which is illegal. Im requesting an immediate deletion of this account if its chargeoff six years ago how is it possible to continue reporting it chargeoff monthly thats inaccurate please remove account

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 2021-07-05
Company: Continental Finance Company, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  credit card through continental finance has charged me a late fee for a card I made a payment on that they never took. Every month I've had issues making payment on this card and no corrective action has been taken on XXXX  side to assist. Precious payment in XXXX and XXXX I had to call them over the phone to make..In XXXX I had to call twice because it had been over 5 days and the payment was not pending or posted. they claimed there was an issue when I called on XX/XX/XXXX but they NEVER contacted me in any form to let me know there was an issue. So I would have been charged a late fee had I not called back. In XXXX after month of having issues adding my valid XXXXXXXX XXXX account to pay ( routing number issue ) I added another bank and made the payment. Only for it once again to NEVER post. I have now been charged a late fee by the company. Despite having made a payment. XXXX  has done everything to ensure I can't make effective on time payments Attached you will find my call logs to XXXX  to make payments and ask questions about the account. What happens when I try to add my valid account information and proof that there were funds available in the XXXX account when I made the payment.

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 2017-02-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called Midland Fund to find out what the debt is for and they have no record of the account for which I was calling about. I do n't show up in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I hope all is well, I just want to say thank you very much for allowing me to have a credit card with Capital One. I do apologize I was late XX/XX/2020 due to the pandemic I was having a hard time that month. Can you please remove the late on all three credit bureaus I really do apologize it wont happen again. Thank you for your time. Have a wonderful day and please be safe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I was an authorized user on my soon to be ex husband 's Amex card. He charged {$270000.00} on the card without the card being present. Three times the credit limit. He will not pay them. Amex has called me XXXX4 times a day demanding that I pay his charges. I told them I was not joint on the card and not liable. They then reported his delinquent charges on my credit report. They removed the info on the credit report when I told them they were in violation of the FCRA. Then they suspended my individual Amex card without notice. I have always paid it in full and have excellent credit. When I called they told me unless I provided financial info including tax records on my soon to be ex husband ( divorce should be final XXXX ), they would cancel my card. I cancelled the card myself. I feel that they have harassed me, violated Federal law and attempted to get me to provide illegal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
The debt collection agency has reported to the credit bureaus that I owe money to XXXX. I have not had a XXXX account for over 10 years no do I owe them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I wrote a letter to XXXX XXXX asking the company to provide me proof of my written signature. They said the debt was sold to Midland Funding and they forwarded my request. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a home equity loan with HSBC Mortgage services. I have had this account for almost 10 years. I use this account to buyer homes and use it for Capital when I need it. I have a long history of paying the loan down and then I draw on it again when I need. HSBC closed out my account without my permission. I never wrote a letter stating I wanted it closed. In fact I received a letter showing a full payoff and closure of my account. I have been calling them since XX/XX/XXXX asking them to re-insate the loan because it was closed out without my permission. Now almost 2 months later, I am put in a financial bind because I need to make a draw. I still do not have closure to this situation and furthermore now I being told as of today that I am past due on my loan. How can this be??? I have a letter stating its paid in full. These people are not interested in helping solve the issue and now they are ruining my credit saying I am late on payments. I am now also going to lose a house and have financial hardship because they closed out my line of credit without telling me and I needed that line of credit. This is now putting me in a financial hardship and they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: IA
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:
To whom it may concern I have been contacted XXXX XXXX XXXX many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXXXXXX XXXX XXXXo date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
I was applying for an American Express Gold card so that I could purchase presale tickets. I told the agent I only wanted the card if it could be issued before the presale date. He assured me the card would be expedited so that I would have it within 2 business days. Based on this information I applied for the card and was approved. After it was approved, the agent told me that in fact the card would take XXXX to 10 business days to be issued. I spoke with a supervisor and explained that I was given false information in order to apply for the card, but was told there was nothing they could do about it. Further, they told me that the Gold card can not ever be expedited, which means the agent knowingly gave me false information in order to get me to apply for the card. After spending an hour talking to customer service, all they would do was try to get me to submit another application for a Platinum card. They do n't seem to care that their agent gave someone false information to get them to apply for the card. All they care about is that I now want to cancel the card. The credit inquiry is now on my credit report and I now have a credit card that I do n't want.

Company response to consumer: Closed with explanation