BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. 

On XX/XX/ a cfpb complaint was submitted for validation of documents, on XX/XX/ the company responded but did not provide any documents that i asked for. This must be removed from my credit report because they couldn't validate. 
( Chain of custody ) ( Purchase agreement ) ( Swear under penalty and perjury you were present during the alleged debt ) ( Master Bill of Sale )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of XXXX, I signed up for an HSBC Advance Checking under HSBCs Q3 2020 promotion. Under the terms of this promotion, eligible new customers who open a new HSBC advance checking account will receive XXXX dollars if the account is opened by XX/XX/XXXX and recurring direct deposits totaling at least XXXX from a third party are made for three consecutive months from the second full calendar month after account opening. 

On XX/XX/XXXX, HSBC informed me via email that my account was approved. Therefore, if I make qualifying direct deposits on XXXX, XXXX, and XXXX, my account is eligible for the promotion. The offer mentions that the bonus will be credited no later than 8 weeks after the qualifying activities are met. Therefore, the latest the bonus should be delivered would be around the end of XX/XX/XXXX. 

After making the qualifying direct deposits in XXXX, XXXX, and XXXX and waiting the 8 weeks, I still did not receive the promotional bonus. I reached out to HSBCs customer service department and gave them the details of the promotion and my account activities. The customer service representative filed the case and gave me a case ID of XXXX. I was told I would hear back after the team that performs the account review reached a decision. I did not receive a callback so I had to follow up and have the case reopened. After discussing with XXXX XXXX, it was revealed that my promotion was rejected because the direct deposit was not considered a payroll deposit. I clarified that the name of the company I worked for was cutoff due to its length and to have the rewards department review my account details again. 

After waiting 5 business days, I was contacted by XXXX again on XX/XX/XXXX informing me that I was still to be rejected because the deposit was a cash concentration and not considered a payroll deposit. Even after describing that I can demonstrate the XXXX configurations that show the payroll deposit details, I was told that the case was closed and that the promotional bonus was to be reneged upon by HSBC. 

I plan to file suit using a consumer law attorney and receive representation for this case. I truly wonder how many promotions HSBC reneged upon considering the amount of companies that use XXXX as their payroll system and how many direct deposits may have gone classified as cash concentration. I hope to see CFBP take action and potentially have a class action lawsuit opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On about Fri, XX/XX/2023, I call XXXX XXXX ' customer service asking about the alleged account for my automobile. GM Financial claimed I owed them money so I asked for the original contract that I signed with them so that I can tender the account. They didn't not send it. GM Financial sent me the purchase contract that I signed with XXXX XXXX of XXXX. According to XXXX, XXXX received payment for the Agreement ( Debenture ) and also transferred the debenture to GM Financial as the company who purchased that said debenture. XXXX said their transaction was completed with the day of the purchase. Nowhere in my contract names XXXX XXXX XXXX as my creditor nor have I sat down with any agent of GM Financial to create any agreement. If I did it wasn't given full disclosure on XXXX XXXX ' involvement and to my understanding that makes the contract unconscionable. 

On Tues, XX/XX/2023 XXXX XXXX XXXX repossessed my Truck ( Automobile ) using a company named Loss Prevention Services at about XXXX. I first called GM Financial and spoke XXXX agents. XXXX # XXXX which was the XXXX agent I spoke to informed me that the debt was Charged Off. After I put them on notice that they weren't supposed to take my truck according to 15 USC 1692e ( 4 ), she said that GM Financial had a lien on the truck and didn't know what a XXXX XXXX XXXX filing was. I told her that XXXX should have filed that in order to repossess my property. She wasn't sure so she transfer me to her supervisor XXXX # XXXX. I spoke with her and she confirmed that there is no UCC 1 lien and no warrant signed by proper authorities to repossess my Truck. They refused to return my Truck knowing these facts : XXXX. that they are not the owner my truck, nor do they have permission from me, to repossess it 2. There is not a Proper Lien on the car nor a Judge signed warrant for the property 3. Has not provided proof of claim that I owe them or that they gave me a loan 4. Is collecting security interest on a debenture and requiring me to pay them more on a contract I tendered with XXXX and which also they claim was Charged off. 
XXXX. Has broken the law knowing that repossession on a debt is illegal So far the only documents GM Financial has sent was a copy of my contract with XXXX and a letter that wasn't notarized from a responsible party. This has put me in an awkward position and is causing me unjust hardship. I'm a single mother of XXXX and a veteran. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went on XXXX XXXX XXXX XXXX to use their pre-approval tool which does specifically say it was not going to affect my credit. 
They said i was pre-approved with XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. 

Why do i proceed to getting multiple alerts back to back on XXXX XXXX about hard inquiries when it specifically stated there would be no hard inquiry. I though maybe XXXX XXXX was not getting the right information so I logged into XXXX itself to check XXXX  XXXX appears 5 different times from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX as well 5 different times within those dates back to back to back on every day, why? I put my information once on XXXX  XXXX and it said it was not going to affect my credit

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 2023-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: Credit Plus Inc
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Last XX/XX/XXXX and XXXX, XXXX, I received notifications from my account in credit bureaus XXXX and XXXX, that Credit Plus through XXXX XXXX  XXXX has pulled my credit report. This inquiries made were not authorized by me. I did NOT / NEVER authorize them to pulled credit report in my behalf. I have sent a dispute Letter and has not receive any replied from Credit Plus and has not removed inquiries from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is reporting inaccurate and incomplete data to the major credit bureaus for years XXXX thru XXXX reflecting the date of first delinquency. The account is reported as opened as of XX/XX/XXXX and is still reflecting on my credit profile past 7 years in violation of FCRA. 

The credit bureaus are in violation of the FCRA by reflecting inaccurate and/ or incomplete data on my credit profile.

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 2021-08-20
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TSI has been handling a debt that is with XXXX XXXX XXXX XXXX College. The debt was first listed on my credit report XX/XX/XXXX. The listing caught me off guard as I never received any prior notification and was unware that I even owed the debt. I have spoken with TSI XX/XX/XXXX and they gave me an invalid address of where they sent the letter too. I asked if they could remove it from my credit report to allow me the opportunity to find out what is going on because it was my first time hearing about it when it was on my credit report and it has been difficult to get In Touch with someone at the school because of the Pandemic. They said they could not and I needed to pay it. I had financial aid that cover 100 % of my tuition and expenses so I didn't understand why I owed it. I was finally able to connect with the college shortly after and they explained to me what happened, I also advised them that they have the wrong address and I never received any communication, not even a phone call and, would make arrangements to pay it but I needed it removed from my credit report because I didn't know I owed the debt. They said they could not remove it. I paid the debt off XX/XX/XXXX and it is still showing on my credit report. I have disputed it with no resolution and also reached out to the college as well as TSI and keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase s uspended my account access and I ca n't log into the account at all. They asked me to upload my ID to allow an increase in transactions and as soon as I uploaded my valid ID they suspend my acco unt. TI st ill have funds in my account and I have no way of accessing them or removing them at all at this point. I 've sent several emails over  a 2 week time frame asking to resolve this issue and restore my account access but only got one automa ted reply with information about ID uploads ... none of which applies or has anything to do with my requests. They have n't addressed the issue and have not replied to any communications.  <P/> I would like to have someo ne at Coinbase restore my account so that I can log in and remove my funds that are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my daughter who I share this acct with went on XXXX XXXX purchased a XXXX from XXXX XXXX  for XXXX XXXX told her her payment would not go thru on XXXX could she use XXXX or XXXX XXXX she used XXXX  I beleive XXXX XXXX with dollar sign see communication attached XXXX  could not help XXXX took money closed out her acct and shipped nothing. We went to bank they say transaction accured and XXXX keeps mony this fraud we filed police report and det wanted to talk to bank they said no way to contact disputed the are not refunding money because merchant will not return there allowing fraud to happen and debit card has zero responsibility td bank I dispute 2x with bank will not help us

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and Security Credit Services continue to report the account as belonging to me, affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After filling out the recommended XXXX application I was informed my payment had doubled. I contacted AidVantage XXXX via email on their website. On XX/XX/XXXX and received an XXXX reply but no XXXX response. I attempted again again on XX/XX/XXXX where I did receive another automated reply and again, I received no actual reply. On XX/XX/XXXX I called in and spoke with a representative after XXXX minutes hold. The rep collected the exact same information that was submitted on the XXXX application. I asked for other options and was informed I would receive an email or a letter ( rep said OR and could not confirm which ). I have received no information. 
On XX/XX/XXXX I received an automated message stating I had called in and a rep had helped me so my online request is now closed. 

I logged into AidVantage to find my loans had been placed in XXXX without my authorization. 

The only contact I have received have been payment due notifications and my XXXX interest from my loans being placed into an unauthorized XXXX. 

Its disheartening knowing AidVantage is a subsidy of XXXX who has been operating XXXX XXXX for profit for years. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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: Account information incorrect

Complaint:
I sent a letter to Equifax to investigate certain accounts on my credit report that are not mine and it has been 30 days and they have not sent me verification. I want the items removed from my credit report. I will attach copies of what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: IL
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 have sent in identity theft disputes multiple times in which the bureas have failed to response let alone follow the guidelines outline in FCRA 605 ( B ) that states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. In which they have not complied with I also sent these documents certified so I have proof of receipt. For Example USPS tracking number XXXX. Confirmed ation of receipt was on XX/XX/2020

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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WELLS FARGO CRD SVC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$800.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2011 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been having problems with Equifax for years now. I have had them have my report messed up and I called many times to try to get them to fix. XXXX thing was they were showing collection and saying the company came back and said I owed but never could say how they information was verified. I had bill from my card company too show the amount paid and to whom so there was no way information was verified. 

Now I admit having some credit trouble years ago but since then I have not missed a payment in going on XXXX XXXX years but my score with them has never moved from XXXX. I now own businesses and make whole lot more money than when I was XXXX XXXX. Got new cards, cars and loans paying all on time and yet my score never moved. I sent letters asking about the score and got nothing to tell me why. Then this second to last mail sent I sent them a copy of the credit card payment asking then how could they have verified information when I am sitting with proof. And then I asked why my score has not changed. Nothing back but looked like they removed the collection that was there for years even with me disputing it the whole time. So I sent a last letter about a medical bill that was from when I was XXXX XXXX. I told them cant be any bills from when I was XXXX because all medical was always covered 100 % by Tricare I have never paid a medical bill while I was XXXX in the military. And at the bottom I added what about my score. So today I look and see my information is showing score at XXXX ... .and shows no information connected for my current bills... This is just long list of bad reporting and that has cost me money in the long run or missed loans. They once had my fathers information on my report. I can prove that as well. They also have been getting {$5.00} a month for a very long time but I could not even access the information and complained yet they never refunded me and still pull money to this day. I had to buy a higher level to finally see my information so I am paying them XXXX and yes that can be proven too. The times I called can be back by my phone records and the letters can be backed by the XXXX offices cause I always send that way. 

This has been going on for years and every effort made has been met with no help on their side and yet they share bad information with companies I try to get credit extended from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Self Financial Inc.
State: LA
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 contacted this company several times because their system would not allow me to pay my credit card bill. 
On XX/XX/XXXX the phone assistant stated that their system was having issues. 
On XX/XX/XXXX I called and was told the system was still having issues and during that conversation I chose to just close the account. 
I was told that I would receive any amounts I had left on the secured credit via check in 7 business days. 
This company has reported to the credit reporting agencies that I had an outstanding amount when they owe me a refund.

Company response to consumer: Closed with explanation