BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
HSBC Bank used to have a decent rewards program, which I used several times to redeem points for travel. Wanting to use it again, I called in XX/XX/XXXX, and was told that XXXX points would give me a {$400.00} credit. I had over XXXX reward points then, and purchased a ticket on XXXX XXXX. ( {$1100.00}, and seats for {$62.00} and {$64.00} ). On XXXX XXXX, I called to redeem XXXX points for an {$800.00} credit. A veritable horror story started then. I was told the rewards program changed at the start of XXXX, and I could not get my credit the same way ( there was one email telling us that it changed, but no indication that redemption ratios also changed ). I spent days calling, getting absolutely nowhere. Later, I emailed and emailed ... a nightmare. I got a final email on XXXX XXXX, telling me that I got some credit for the purchase, and leaving me with about XXXX points ( in the meantime, the seat price was refunded because the flight was cancelled and rescheduled ). I believe that HSBC owes me at least XXXX points still, because - as staff admitted - I should fall under the previous rules, since the purchase was in XXXX ( My initial interactions were with staff in XXXX, from what I gather, and their indifference/incompetence was hard to believe. ) Even with new rules, XXXX points equal at least {$100.00}. I emailed again, but got no response. Please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Asset Management Outsourcing, Inc.
State: FL
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 obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to XXXX XXXX, XXXX. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent -- a document of which was merely created by them reflecting several entries, but nothing to substantiate their allegations. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS XXXX XXXX IS VIOLATING MY CONSUMER RIGHTS. 

I have no recollection of ever owing XXXX nor ever doing business nor receiving any correspondence from them whereby I signed a contract. The company should provide proof of all HIPPA information whereby I gave XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, XXXX, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company prior to the correspondence they sent in XX/XX/2017 responding to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: MO
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:
Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. 

The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX  has since removed the information completely. However, XXXX XXXX AND Experian are still reporting this incorrect information. 

I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. Experian has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, Experian is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim.

I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. Experian shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.

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 2020-05-13
Company: Experian Information Solutions 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:
all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX/XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXX.Details XXXXXXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute

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 2020-05-13
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:
all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX/XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXX.Details XXXX/XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute

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 2021-02-22
Company: Colony Brands, Inc.
State: MO
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:
Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. 

The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX has since removed the information completely. However, XXXX XXXX AND XXXX are still reporting this incorrect information. 

I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. XXXX has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, XXXX  is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim. 

I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. XXXX shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2019-08-22
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 sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX on XX/XX/2019.

1 ) my Payment history was never reported correctly by Experian, XXXX, XXXX for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact XXXX, Experian, XXXX to correct their reporting of me - again, not late, but in a modification program.

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 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I do not agreed with the final solution on claim # XXXX after being under higher up investigation for almost 3 months .the claim was reopened 3x as you all can see on the records .I have sent the item back to XXXX ( seller ) so with that being said is not a fair situation that I lost $ XXXXand did not keep the item. I SENT IT BACK THROUGHT USPS TRACKING 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 explanation
Consumer complaint received 2018-02-05
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When loans were presented by school was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that we have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for the Chase Total Checking through a mail letter and online, and met the Direct deposit sign up deadline for a XXXX $ bonus, and I never received the XXXX $ now Chase is charging me XXXX $ a month for service fees on an account I didnt need, and only opened for the bonus, and J.P. Morgan Investments. I called the customer support, and they even said it was not in the fine print that I needed to have a qualified direct deposit. The terms were to set up direct deposit. Not to have a direct deposit come through. I read the whole letter I received in the mail, and read the terms, and fine print. It was not stated. Therefore Chase is in violation and is stealing money through monthly service fees they would not give me their ID number .... I talked to XXXX, and a Lady Named XXXX ( Spelling ) I also talked to XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have requested that my HSBC Credit Card Acct. be closed over and over again however this bank is horrible and they refuse to comply. Its a simple request and shouldn't take an act of XXXX but obviously it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America is charging me usurious interest rates of 19.99 % and higher. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.

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 2020-12-03
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2020 I submitted a letter to XXXX XXXX that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all XXXX credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: FL
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 asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them XXXX separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a suspicious letter on Kohl 's letterhead. The letterhead looks like it was scanned ( i.e. fake ) and the address is not the correct Kohl 's HQ address. 

The letter had my name, address, and last digits of my Kohl 's credit card so I suspect that my information has been hacked from the Kohl 's computer systems. The letter threatens to cancel my card unless I send my social security number to a po box in Wisconsin. The letter references the Federal Equal Credit Opportunity Act. 

I called Kohls to report incident. Customer Service did not seem concerned and actually sang to me. I tried to report to Kohl 's HQ and it looks like they deleted my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my Experian credit report. In doing so I noticed a delinquent bill claim from the company ( XXXX ) I called that company to inform them that I have never had a contract with them. When I gave the rep my name and number ( nothing came up ) after going through my info, finally I was patched over to a supervisor and he asked for my number. When he put my number in a account came up belonging to a female. I informed him that I have never had a account with them. I placed a dispute and the investigation determined that I have a account. Asked for the contract and I was refused access. He then told me that it stem from a purchase from XXXX. I informed him that I was a store XXXX for XXXX for 18 years and that I would contact them and 3way affirm on the call. XXXX refused to join in on the call. I contacted my old employer and received my purchase history and it reflect that I havent purchased anything on XXXX since 2017. I emailed that information to affirm and they still insist that I made the purchase. XXXX my old employer will provide any information needed but XXXX refuse to contact them. I am a victim of breach of information. XXXX refuse to provide me with the contract number so that I can have XXXX provide the number to the person whom have the account. I gave the same information to Experian and both companies refuse to resolve this issue.

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 2020-12-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since Select Portfolio Servicing, Inc. took over servicing of the mortgage back in XXXX, I receive my monthly statement within a day or two before the due date, or in the case of this month, it was received the day after due date. I called in today to let them know of the issue, and they stated that it must be due to mail delays, as they send the statements out the day after generation. This would mean the the USPS is consistently holding onto this companies mail, or taking 18 days to deliver a piece of first class mail. I believe the delay is an attempt for the company to increase the amount of late payments, and generate extra servicing fees on the loans that they service. This is the only bill that is having these lengthy mail times or delays, so I have to assume that they are not actually mailing them out when they say they are, or that the Post Office is deliberately targeting this company for lengthy delays, ( which I don't believe is the case ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: World Acceptance Corporation
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 filing this complaint because World Acceptance/ World Finance has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation