BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is saying that I owe XXXX for HSBC Bank and I never used this company before. They sent me a letter stating that I will be subpoenaed on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX from Portfolio Recovery Associates called my employer on XX/XX/2019 at XXXX XXXX about a debt from XXXX XXXX XXXX XXXX from 13 years ago. I just happened to answer the call this time and catch him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My initial identity theft report and was filed on XX/XX/2019. Report number XXXX. Trans union reported those items but, has yet to remove the inquires that came with those fraudulent accounts. XXXX has removed everything. XXXX has yet to address the matter. The only update was a generic response, that they were investigating the matter and needed more time. 

Now after I filed the initial complaint and the items were removed by transunion and XXXX. I have 3 new accounts that weren't showing on my credit report and wasn't included in the initial report, because of that fact. On XX/XX/2019 I had 3 accounts, that I have no knowledge of and they are as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I am at a lost for words, I have a Fraud Alert on my credit file and yet and still the bureaus are reporting these fraudulent accounts to my credit file. Without as much as a phone call or email to ask me, the consumer if in fact these are my accounts or a part of the 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 2019-03-20
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had issues with a car I purchased ( buyer said car was like new and turns out it has been wrecked several times ) and the dealer agreed to buy the car back. 
Ive had the loan for 14 months, initially borrowing {$16000.00}. When I called to get payoff on it 3 days ago so that the dealer could buy it back, they told me payoff was {$17000.00} Initially when I started the loan with XXXX XXXX, my payments were {$390.00} a month. After ACA took over, they called and told me my payments had dropped to {$240.00} a month because the other company was overcharging. I called several Times because that just didnt seem right with the interest rate at 18 % but they insisted that they know their job and are doing it correctly. 
Come to find out, with the lowered payments its not even enough to cover interest every month which has in turn made my balance more than I shouldve paid over my 72 month loan & at this rate the car will still NOT be paid off when my loan is up. 
I have been contacting ACA to try and get some sort of agreement where the dealer can pay the {$15000.00} and then them write off the other {$1300.00} so that I can be done with this car and every day someone says Ill call you back but no one ever does. I have spoken with at least 15 different people and no one can ever find them again for me to talk with them again. And no one cares that I am getting royally XXXX with my account and wont bother to try and fix it. 
I am currently 3 months behind because I had intended on letting the car go back, but was hoping to settle with the dealer instead of ruining my credit but at this point Im tempted just to let it go back and be done with it just because no one cares enough to help me. 
The most HORRIBLE and IGNORANT customer service ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: STERLING JEWELERS, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found the late payment on the dates below : 30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are XXXX persons who are on the mortgage, XXXX of whom are married. However, XXXX party had the mortgage servicer send all correspondence to their address, so the other XXXX persons on the mortgage have not gotten statements. I was paying the mortgage for the amount that I thought covered the monthly payments in full. I just found out that this amount was not sufficient to cover the monthly payment. The servicer will not communicate directly with me about the loan, even though my name is also on the mortgage. I am the mother of XXXX of the spouses, and neither my XXXX nor I have been able to communicate with the servicer of this mortgage. I have made repeated attempts to get up to date information about the loan and have been refused any and all meaningful communication with the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place.

They are reporting negative information on these reports.

15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Step 1 : What is this complaint about? 
REF : contract nbr XXXX dated XXXX/XXXX/XXXX CONNs XXXX/XXXX/XXXX added Insurance to a {$1100.00} TV purchase for {$130.00} to the {$1300.00} Promissory note conditionally until I provided copy of my Home owners insurance! 

Step 2 : What type of problem are you having? 
and now they will not back it out from loan as promised by salesman in spite of us hand carrying to store copy of Home owners policy in 48 hrs [ have receipt ] Step 3 : What happened? 
Called 4 times to get adjustment reflected on payment book or a revised loan at same terms [ XXXX at 34.04 % = $ XXXX until XXXX XXXX ] but they send me a payment book with the same amount INCLUDING insurance for {$130.00} Step 4 : What company is this complaintabout? 
conn credit corporation, inc. XXXX XXXX XXXX XXXX tx XXXXPhone XXXX corporate phone is XXXX Step 5 : Who are the people involved? 
XXXX purchase date : XXXXXXXX XXXX [ salesman ] successive operators 1. XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  in person face to face at store in XXXX TX 3. XXXX XXXX  at XXXX XXXX XXXX XXXX. XXXX credit dept transferred to cust serv transferred to insurance dept who hanged up on me 5. XXXX : verified loan amount XXXX has not been revised tp {$1100.00} which represents {$130.00} XXXXXXXX interest= {$220.00} potential or intended fraud of the inadvertent or passive customer..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Select Management Resources, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019, the company Select Management Resources attempted to contact me at my place of employment. The representative who called was advised that my work was not a an option to contact me as it is a place of business and to not contact again. The represent XXXX XXXX, a title loan company in XXXX, Ohio. XXXX XXXX was already informed prior to this communication that I had an attorney retain for Chapter XXXX bankruptcy. Select management has continued to contact my work phone number daily and has been told each time to stop calling that number and yet they continue to contact. The phone number that comes up on the caller id do not work to call back. So, they are contacting me after they were told to stop by my employer and after they were provided with valid attorney information regarding bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Kriya Capital, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
This phone number as well as sister numbers as XXXX and XXXX that are continuously calling me. I have told them to stop and not to call me I have tried blocking them but they are still calling me. They are saying they are a business called Credence Resource management. I've razed reviews and everyone is identifying them as scammers. I have told them repeatedly that I know they are scammers and that they need to stop harassing me. I have informed the federal trade commission and filed a complaint with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originally closed on my condominium in XX/XX/XXXX. Approximately in XX/XX/XXXX my mortgage was sold to a company, XXXX XXXX. Since my mortgage has been sold we have been running into numerous issues resulting in lender mandated fees which wont come off and increasing our monthly payments by {$500.00}! 

In XX/XX/XXXX we received a letter requesting our insurance increase to {$250000.00} coverage. 

In XX/XX/XXXX I changed banking account information and it took two weeks to have my banking information updated. While attempting to update my account I noticed my monthly payments were going to be increased by {$500.00} due to a lender placed fee for flood insurance. I called an explained that I am on the 4th flood so Im not within flood level. The company then requested my building flood policy. I submitted XX/XX/XXXX. I called the company either XX/XX/XXXX or XX/XX/XXXX and they havent reviewed or processed my documents yet and I was requested to call back AGAIN. I called back on XX/XX/XXXX and the mortgage company confirmed they have the master flood policy but are now requesting a previous building flood policy along with a building hazard policy and refuse to remove the lender placed fee even though they never informed me of these requested documents. I requested AGAIN to have the lender placed fee removed as I wasnt told of these documents and my mortgage with additional {$500.00} of payment is due within 10 days ( XX/XX/XXXX ). The representative said she couldnt do anything but did inform me that they overcharged me for the previous escrow due to my insurance company and will be refunding me money but couldnt tell me how or when. This company is targeting customers and making a practice of continuously over charging customers and not providing information and appropriate customer service to facilitate quick solutions. Home owners shouldnt have to beg not to get over charged on their mortgage!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: ND
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account and 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3, 4, 6, 7, 8, 9, and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. XXXX XXXX, and Trans Union continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: IN
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:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: MA
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 called the XXXX, Experian and XXXX after I purchased a credit report with Identity IQ on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. XXXX, Experian, and XXXX XXXX continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.

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 2020-05-06
Company: EQUIFAX, INC.
State: IN
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:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Convergent Resources, Inc.
State: UT
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:
Never had XXXX in my life! ; )

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 2018-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I use my capital one account for almost every purchase. I use the " Drop '' app to accrue points for tracking purchases, but they recently told me the reason I'm no longer getting points is because capital one has blocked Drop 's provider 'Plaid ' from accessing the API. They said the only way to get Capital One to restore access is to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  XXXX   XXXX  Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed

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 2017-12-01
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: Old information reappears or never goes away

Complaint:
On XXXX XXXX, 2017, my account was paid in full to XXXX XXXX ( City of XXXX ) and I was told by an associate that the collection will be deleted from all 3 credit bureau reports once paid in full. Experian deleted the collection the next day. Now, the collection is back on my report and I was not given the 5 day notice required by law before a collection is reinserted under the same name. Also, on XX/XX/XXXX, I received a voicemail from XXXX from the City of XXXX stating to give her a call back. She claimed in the response that we spoke and resolved the issue but Ive not spoken with her at all. I received the voicemail well after the collection was deleted, not before. So she lied.

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