BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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 had a delinquent report on my HSBC Credit card since the auto pay was returned due to non sufficient of the funds on XXXX XX/XX/2020. However, I have the HSBC Select Line of Credit for Overdraft Protection, which was setup to cover for non sufficient funds on the checking account. The HSBC Select account should have handled this case and there should not be a delinquent report. 

HSBC customer service said - " The HSBC select credit account will not cover for HSBC Credit Card payment as per the EZ pay policy ( auto pay ). " - They also mentioned this information is only showed at the time of enrolling the auto pay service. This is completely false. There is no mention of that. 

Here is what it says in a very small box during autopay setup : " Note : If there are not enough funds in your bank account to cover your payment, your credit Account will be charged a Late Payment Fee, as disclosed in your HSBC Cardmember Agreement. In addition, your bank may also charge a returned check fee. Your enrollment in the AutoPay program may be cancelled due to returned payment history on your Account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$690.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
Im a victim of identity theft. I did not apply for this

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 2021-07-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Please refer to complaint XXXXwhere i was charged {$15.00} for an allegedly bounced check from XXXX XXXX  wherein fact TD bank misentered the check amount and charged me {$15.00} fee mistakenly. Today i spoke with XXXX XXXX, XXXX XXXX and XXXX at TD bank to refund me the {$15.00} for their banking error and they did not and provided no explanation. Now I would like to be refunded {$15.00} from TD bank and receive {$15.00} for my time and inconvenience. The check from XXXX was for {$50.00} and td bank mistakenly entered it as {$59.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called this company and the lady that worked there stated we don't care if you owe it or not, I be on your XXXX until you pay it. My ex wife 's new Boyfriend has a ID in my name and is going to Hospital 's trying to get XXXX in my name. I filed a police report and filed a complaint against this collection company and hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: NY
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:
A new hard inquiry was made on my Experian account for a XXXX card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.

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 2021-07-20
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CACH , LLC XXXX XXXXXXXX XXXX  XXXX, SC XXXX failed to verify the debt prior to reporting the debt to CRA 's. Disputed account information continues remains on CRA 's consumer credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi, On XX/XX/2018, I was in the XXXX XXXX  store, and wanted to pay for my car repair. They told me that we can apply here for our credit card, XXXX XXXX XXXX XXXX, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined.

I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that " we were not able to verify your info with your social security number '' and so it was declined.

So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score. 
I have already contacted XXXX  and they have removed the inquiry from my report.

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 2018-06-20
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a car loan with GM financial for approx. 4 years, but on my credit report they have large gaps showing no payments have been made. i have made late payments and have had agreements-signed in which payments where moved to the end of my lease in order to no report late payments. i have disputed this with the 3 credit reporting agencies but it has not changed. i understand GM financial has had issues with this and is even facing possible class action. i am demanding they correctly report all of my payments since XX/XX/XXXX and remove the negative entries of XX/XX/XXXX-XX/XX/XXXX-as i have been making my payments. they also need to report the correct balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: CA
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:
XXXXXXXX XXXX XXXX began sending me bills ( XXXX? ) with ~ {$1200.00}. balance I contacted the company directly and explained I did not open an account ( for their mail order catalog products? ). No items were never shipped to my address. 
XXXXXXXX XXXX  began late reporting my credit anyways for months. 
I reported the XXXX account as part of identity theft suffered. 
I reported XXXX to Equifax, but still in XXXX, it is showing to creditor who pull my report. 

I am requesting this derogatory false information be removed from my credit report immediately, as it is harming my ability to refinance my property. It is holey inconsistent with the rest of my credit accounts and history. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Complaint : Exeter Finance Auto Loan! 

I managed to actually hold up my auto payment of {$520.00} month, until I lost my job ( XXXX XXXX, however I would still make my payments within that month, maybe not on the exact due date, but I made my payment within a 29 day period before it will rollover to next month. I called them about making payments arrangements for the month of XXXX, they would not even give me a grace period or forbearance ( my first time asking ) ... They are a very rude lender company and don't mention anything about Covid 19 relief to there consumers or even on there website ( www.exeterfinance.com ). 

I Also been paying my auto loan and it still seems like it's still at the purchase Price, they need to remove the late payment of my credit profile through all bureaus, as I still pay. This has affected my credit tremendously and I have really good credit. And by looking at the better business bureau they got revoked. 

Please take my complaint into consideration thank you. This company is really faulty and they take advantage of their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Remitly, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 amount {$710.00}. Submitted International transfer to XXXX to be available immediately in the recipient 's account. Remitly company sent me an email indicating money has been successful deposit into account. Which is not true. The local bank of recipients has confirmed that remotely hasn't sent any funds on my behalf to be deposited. I have all evidence and ask them for refund but they are not willing to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I qualified for a student loan discharge from Nelnet in XX/XX/XXXX. Nelnet " Discharged '' my loans in full ( $ XXXX ) in XX/XX/XXXX. I have the IRS 1099c form showing " Discharged '' in full. I never again heard from Nelnet until a few months ago when I applied for housing. They said that Nelnet shows past due a few months. Nelnet was called and they said chose to " reverse '' my " discharge '' from XX/XX/XXXX in XX/XX/XXXX. 

Nelnet wrote the loan off in full in XX/XX/XXXX, and now 8 years later they want to double dip. This is not only fraudulent, but its criminal and predatory. 

I contacted Michigan Attorney XXXX XXXX, ( XXXX ) and he will take my case and file a lawsuit but he requested I submit a complaint first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My EDD funds were not transferred in full to my checking account as published in BofA 's " California EDD Debit Card for Unemployment and Liability Benefits. '' Through numerous website attempts and phone calls, I was told there was a limit on transferred funds of $ XXXX and a 7-day period waiting period before another transfer could be done. I could access these funds through going to the bank in person but I am at risk for Covid and have tried to minimize going out in the community. Representatives seemed confused about what policy was in place and why it had been changed as well as the difficulty in logging in to my account. I was transferred at times to someone else to help and within 2 rings was disconnected through the last rep was helpful and stayed on the line with me until the transfer was complete.

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 2020-06-28
Company: Trident Asset Management, L.L.C.
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 status incorrect

Complaint:
I responded to a letter sent by XXXX XXXX XXXX on XX/XX/2020. I specifically requested to receive the original instrument of validity that would prove that I entered into an contractual agreement with XXXX XXXX XXXX. I ask them to respond within 30 days from the date of the letter. I had to send another letter on XX/XX/2020 because I was sent an email by XXXX XXXX XXXX about an account but I never received any mailings from either one of these companies concerning my original request. The letter dated for XX/XX/2020, I specifically asked again to receive the original instrument of validity in order to prove their claim for collecting on a debt for which they provided no substantial evidence for. On XX/XX/2020, I received email alerts from XX/XX/XXXX XX/XX/XXXX XXXX and XX/XX/XXXX all saying I have a new collection account being reported on my credit file and the account in questioning is Trident Asset Management they reported information to my credit file on XX/XX/2020 that was inaccurate and in direct violation of both the Fair Credit Reporting Act and the Fair Debt Collections Practice Act. Upon filing this complaint I found out that XXXX XXXX XXXX is a passive debt buyer who has stated on numerous complaints that they don't collect directly from consumers but Trident Asset Management does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I initiated a dispute with Equifax in an attempt to get erroneous information removed from my credit report. I sent the dispute, along with supporting documents ... .. which included the cover page from the credit file. I sent the dispute certified and got the the signed receipt. Yet, I got correspondence from Equifax stating that my credit report could not be found. How can my credit report not be found when I sent them the file number and the cover page? I feel like this is a stall tactic and all of these accounts should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: P.S.C., Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a Notice and Demand for Payment to recoup the exact value of the illegally collected debt in the amount of {$450.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

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 2018-04-26
Company: Navient Solutions, LLC.
State: CA
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:
I originally had federal student loans ( all of my loans are federal ) from obtaining my XXXX XXXX from XXXX XXXX in XXXX and XXXX. I was approved for the XXXX grant but after sending in paperwork several to verify my 5years of XXXX  service at a title 1school I never received the {$5000.00} I was eligible for. I then in XXXX and XXXX was enrolled at XXXX XXXX  seeking a XXXX XXXX in XXXX XXXX. I have approximately $ XXXXfrom my first degree and {$30000.00} from the other schooling and although I tried repeatedly to get the loan forgiveness and even thought they had enrolled me, it was brought to my attention finally that no I had not been enrolled and Navient transferred my loans to XXXX XXXX XXXX. I am now not eligible due to the fact that over the last 13 years my salary has increased making me no longer eligible to get any assistance. Although Ive been making payments since XXXX ( occasionally taking deferments or forebearanceor being enrolled in school ) I have never been in default and i owe near the same amount as my original loans in XXXX and XXXX and XXXX. I am very distraught over all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have two credit card accounts with Capital One. On XX/XX/XXXX at XXXX PT I contacted Capital One to advise that I might make my payments a few days late for my XX/XX/XXXX due on both accounts, due to a recent auto accident that has impacted my financial situation. I also told the representative that this situation is temporary. The representative advised me that she would enroll me on a program called 3 month fee suppression, that would suppress late fees for three months. She did not give me any details on the program and just told me that a letter explaining the program would be mailed to me. After disconnecting from my call I decided that the program was not something I needed or wanted, and contacted Capital One again at XXXX PT and requested to the program to be removed from my account, since it was not something I wanted or requested and my call was only to advise Capital One that my payments will be made a few days late and I will be responsible for late fees and I was told that I could not be removed or unrolled from the program. Today I contacted Capital One again at XXXX PT and first spoke with XXXX ( supervisor ), then with XXXX ( manager ). Both refused to remove the program from my account. XXXX told me that as long my account is current I can be unrolled from the program. She confirmed that as of today XX/XX/XXXX my account is current, so I asked again, since my account is current if can she take me off this program and she still refused to remove the program from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/19 to XX/XX/19 XXXX XXXX. I deposited money I won at the casino. In the amount of {$2600.00} atm malfunctioned. Did not confirm the total. Jammed with XXXX XXXX dollar bill torn. ATMs should be balanced the next day with totals off and I should be returned my money. Now I have overdraft fees and facing eviction. I have read several reviews of this happening to other people and they have not gotten their money back. If I need to hire and attorney.

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 2018-02-26
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This time last year I mail in a payment of XXXX twice in the month of XXXX, the mortgage company contacted me stating they could not find the money orders. I faxed over a copy of the reciepts for money orders and then they said they found one and not the other. Finally they found the other by then it was two three months later which put me behind a couple payments at the time. I tried to do a pay down payment plan for payments that where behind I was told to do loan modification and I went through that process but keep getting the run around on that, I sent in all paperwork from income verification and bank statements, everytime sent these items in they add a different month on these documents. I just sent another round of documents which also included my wife 's income and now they saying they need more bank statements and proof of income again I have sent these documents several times, I am desparetly trying to stay in my home and keep getting the run around meanwhile money is incruing on this account. please help save my home.

Company response to consumer: Closed with explanation