BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is the third time I've applied for one of your credit cards and the last 6 months and I know that probably seems a little excessive but at this point it's the principle of the thing you keep telling me you can't verify my identity I don't know how that's possible even if I had transposed and number or letter somewhere on the first application there's no way I made a mistake on all three applications it just isn't possible and believe it or not years ago I had an HSBC credit card account in good standing and you sold it to XXXX XXXX which means that I was a customer of yours at one point with the same date of birth in the same social security number when I fill out the application you have me put in my Michigan state ID information so are you saying that the state of Michigan doesn't know who I am I have a passport I travel all over the world are you saying the federal government doesn't know who I am because I give these government agencies the exact same information that I'm giving you and they're able to verify my identity but for some reason you are not and whenever I call your only solution is for me to reapply you never know why like I said it's the principle of it at this point I have a wallet full of credit cards it's not that I necessarily need another one but the fact that you keep declining my application for only one reason is you claim you can't verify my identity I'm assuming because you're using some computer system and instead of somebody a human being with some common sense looking at the application and saying well obviously this is XXXX XXXX you're relying solely on some computer system that is clearly mistaken I'm sorry but there must be some way that I can prove who I am to you do you need copies of things copies of my birth certificate my passport what exactly is it that you can't confirm? I will file a complaint every month until someone fixes the computer system that is clearly not working right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Chase Sapphire offers Extended Warranty protection. 

I filled a protection for my cell phone purchased on XX/XX/XXXX. The manufacturer warranty expired 1 year later, around XX/XX/XXXX. 

In XX/XX/XXXX the phone started having issues with charging and screen going off and on. 

I contacted XXXX, they confirmed the warranty expired on XX/XX/XXXX ( actually later than I expected ), and there is no service centers - the only available option now is a full replacement. 

I filled the claim on XX/XX/XXXX and attached all required documentation, including XXXX 's document informing the above. On XX/XX/XXXX I also sent an email customer service at XXXX asking how to proceed. This specific email was never answered. 

On XX/XX/XXXX, I received a reply to my claim, asking for a diagnostic from an authorized repair center. Note that I had already submitted the information that there are no authorized repair centers, information provided by XXXX. XXXX even provided a reference number for this information : XXXX. 

On this same day, I wrote to the official customer service email at XXXX, stating that it was already attached that there are no service centers. Once again, as usual, no reply has been received. On XX/XX/XXXX, I wrote again asking for a reply and again, as usual, no reply has been received. 
In all occasions that I sent email asking for assistance, I receive an automated message saying I'll receive a reply in 5 days. It never happened. 

On XX/XX/XXXX, I finally received a reply. The reply simply stated I need to attach a device diagnostic from an authorized repair center. I replied again with the information that there is no authorized repair center, XXXX doesn't offer that according to them. 
It's already XX/XX/XXXX end of the day, and as usual, no reply has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Bull City Financial Solutions, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Bullcity Financial Solutions in XXXX, NC continues to report fraudulent transactions to my credit report continuously dropping my credit score. I have disputed this before when I first saw it on my credit in XX/XX/XXXX. It was removed from XXXX and XXXX. I've had thr hardest time getting it removed from XXXX   and have been constantly fighting it bc I've never lived at the address they have on file. Now since then they have reported to my credit again in once on XX/XX/XXXX & on XX/XX/XXXX both on XXXX lowering my score by 6 points and then also to XXXX  on XX/XX/XXXX lowering my score by 33 points. It is also back on my XXXX. They are all showing as new delinquent accounts as if this is new. They have a 1.6 star rating and everyone is having to file complaints bc their credit is being ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CARD Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Ive been with my prepaid card company around three years card.com or XXXX XXXX. on there policy if i get a qulified deposit of XXXX in 30 days my mantance fees of XXXX is wavied to XXXX dollars. I recive a check from social security on the first but my check is loaded on my card 5 days every month before the first which buys me 4 or 5 days before company policy 30day mark. When ive noticed i contacted them they only refunded me XXXX twice in two defferent months. But im charged XXXX every month on the XXXX. Im getting feed up of this breach of contract but cant find a lawyer to sue for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was missed lead about the whole loan situation with the carBefore the the purchase of the car I told the owner that I did not like that car and he proceeded to tell me just drive the car for a couple of days and we can trade it back in The owner was so XXXX on me getting this particular car he forge the other Cosigner her name on the paperwork I told him numerous of times I did not like the car so when I finally got in the car and drove it under the pretense that I wasnt going to be keeping this car for long the transmission was slipping He told me to wait till they get the settlement from credit acceptance and then I can get another car Me not knowing what kind of damage it would be doing to me more than helping So I took the car back to them he told me To state a wreck that one of his family members was going to drive the car and he was going to put the insurance on it and to stage the Wrecked so he could put me in the car that I wanted So he proceeded to stage the situation and he Got one of his family members to wrecked The car So he never told me anything else after that he put me in another car two days later And after two years from that I found out that he went to prison for fraud just like this and hes still in there

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 2021-04-30
Company: ID Analytics, Inc.
State: FL
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 was denied credit based on information the lender obtained from SageStream on XX/XX/2021. I had never heard of Sage Stream before. I attempted to obtain my credit file from SageStream. SageStream requests a completely excessive amount of personal information before allowing me a copy of the report. They want my government issued ID, as well as a copy of my Social Security card and either a current utility bill or my W2 with my address on it. I am not comfortable providing all of this information to some company I have never heard of when the three legitimate credit bureaus have never asked for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Been called at least 5-6 times for the past 2-3 week before and after work. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Voicemails : XXXX XXXX/XXXX/XXXX I spoke with a representative called " XXXX '' for XXXX XXXX XXXX XXXX  XXXX and I asked him about his company name , address or business license, he was n't able to provide any information and said I was going to be taken off the list, and they were looking for XXXX instead. 

It 's fraud and a scam. Please be aware of this number.

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 2017-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late  reportings removed from my credit file. 

There are 3 XXXX of XXXX Accounts that are reporting inaccurate late payment.s

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 2019-03-15
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
both conducted mortgage transactions without a title. 
Requested copies of the disapproval FHA application XXXX stated they had obtained. 
Requested copies of the RMA application package Requested a copy of the document which stated payments could resume Requested a copy of the foreclosure notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ditech is attempting a Sherriff 's sale and fraudulent foreclosure with XXXX XXXX XXXX ( no affiliation with this loan ) and a XXXX XXXX ( no affiliation to this property ) as defendants in a fraudulent foreclosure on a property they no longer service. How?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: ProCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, my identity was stollen and used to open a number of fraudulent accounts. I was diligent about following up regarding these accounts and getting them closed as fraudulent, by compiling the following information : - Signed and notarized Identity Theft Report ( form provided by FTC ) - Copy of the police report I filed - Copy of my photo identification - Copy of a utility bill at the time the debt was reported to serve as proof of alternate residence Every account except for one was closed as soon as I sent the debt collector this information. However, ProCollect refuses to acknowledge that this account is fraudulent and close it. 

I submitted this packet to ProCollect on XX/XX/XXXX. 
I did not hear back from ProCollect until XX/XX/XXXX when I called them back to inquire about the status of my account. 
They claim that they reviewed the packet and decided it was still a valid debt on XX/XX/XXXX, but did not provide any details for how they reached that decision, despite me providing them with all the evidence that they requested.

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 2018-04-05
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:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''. 

I have never done business with either XXXX XXXX or XXXX. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from 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 2022-09-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report act Convergent Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 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 2022-10-05
Company: NCB Management Services 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:
on XX/XX/2022 a certified letter was sent to ncb management requesting validation of debt. NCB never responded within to the 30 days alotted by law. This ia a violation of my rights under 12CFR1006.34 Also on XX/XX/2022 a certified letter was sent to XXXX XXXX XXXXXXXX requesting debt valadation under the 12CFR1006.34. XXXX XXXX  claims to know nothing about any debt or card i may have had. SO please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received medical services from XXXX XXXX XXXX on XX/XX/2019. I was charged a total of XXXX ( my co-pay/co-insurance ) after my insurance plan paid and processed the claim. I paid in installments. A balance of XXXX was paid in XXXX. Check number XXXX was cashed on XX/XX/2019 by XXXX XXXX. 

On XX/XX/2019, I received a voicemail message from debt collector, Balanced Healthcare Receivables ( XXXX ) regarding a debt. I also received a letter the week of XX/XX/2019 requesting payment in the amount of XXXX. I then received more calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/2019, I called and spoke to XXXX in XXXX XXXXXXXX XXXX Legal Department-XXXX or XXXX. She confirmed a balance of XXXX on the account. I informed her of the XXXX call from the debt collector and requested a letter in writing regarding the account and that Balance Healthcare should be contacted regarding said balance. She stated a letter will be sent and should be received in about 14 business days. On XX/XX/2019, I spoke to XXXX re : letter that was not received and my conversation with XXXX on XXXX and the additional calls made by the collector. She said to wait until XXXX to receive the letter. I leave a voicemail message for XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX again. I am more than frustrated now. I reminded her of our conversation on XXXX and all of the above. I clearly state that I am now being harassed for a debt that was paid. She claims that the letter will be mailed on XX/XX/XXXX and that it should be received in 5 days. On XX/XX/XXXX, XXXX, of Balanced Healthcare Receivables ( XXXX ) leaves another voicemail message regarding her attempt to collect a debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I don't recognize this account, i see that it's {$0.00} balance. Please remove it, i don't know anything about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car and Westlake was the finance company. I am XXXX XXXX and informed the finance company of this and was told there was no relief for me. I was lead to believe that repossession was my only alternative. They came and picked up the car XX/XX/2017. I have since found out that I was covered under the SMRA and should NOT have had my car repossessed. This is a violation of the federal law that protects military personnel. I have since tried to retrieve my car back without success and my credit has since been ruined. They have been unwilling to work with me to settle this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: National Recoveries, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
We never received any bills or any kind of paperwork about payments and now it is in deferment and being automatically withdrawn from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX are reporting two outdated accounts on my credit. I called XXXX and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with XXXX for a year now and they are still violating the Laws of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been getting calls every day from a company claiming to be Citi bank. They leave a message from an automated recording saying that I need to log into citicards.com and check out the status of my account. The only card I have through citi is a best buy card, which I pay regularly and the status is normal. When I call this number back, they won't let me talk to anyone unless I enter the last 4 digits of my citi card. I'm not sure what else to do. They fill up my voicemail box in a week 's time and I can't talk to a real person to tell them to stop calling. The phone number is 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 monetary relief
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: AZ
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:
this account appear in my credit report it does n't belong to me, I have not idea why Equifax refuse to fix it this issues, please this company in out control. we need somebody up there to do something. 
account # XXXX XXXX XXXX # XXXX account # XXXX XXXX XXXX XXXX # XXXX account # XXXX XXXX # XXXX account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX # XXXX

Company response to consumer: Closed with explanation