BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 my XXXX XXXX premier account ( account # XXXX ) had been hacked, and being illegally transferred out twice ( {$2800.00} & {$6200.00} ). I noticed the same day while I was in XXXX, I called HSBC Premier customer service line ( XXXX ) I was being switched to HSBC fraud department. All my XXXX XXXX accounts ( premier, saving, checking, business and credit accounts ) were suspended. I could not log into my account online anymore. I came back to New York on XX/XX/2018, went to HSBC XXXX branch to learn that my account was being hacked many times since I reported. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, hacker came in and transferred money out freely. 
On XX/XX/2018, I filed a complaint with CFPB because I was in XXXX could not get response from HSBC. The complaint number is : XXXX. I received your letter 2 days ago telling me that this complaint is closed. My money is not recovered completely yet. HSBC efraud team refused my phone calls several times, they asked me to branch, when I went to HSBC several branches and I was told to contact my account manager. My personal account manager left HSBC more than 2 months ago, but on their system my account manager is still he.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a property located at XXXX XXXX XXXX ( XXXX  XXXX ), XXXX, HI XXXX with a second-home conventional mortgage loan from Guild Mortgage Company. I put down approximately 15 % on the property as a downpayment in XX/XX/XXXX. I have consistently made on-time payments. After purchasing the property, I made substantial renovations to the condominium and completely renovated the entire property. In XX/XX/XXXX, I sent a letter to Guild Mortgage to request a reappraisal to request the cancellation of the PMI. Guild Mortgage ignored my written requests several times, even though I called them, provided them receipts and photographs of the work done to the property ( before/after ). I then threatened to report them to CFPB if they continued to ignore my requests, they then responded that I needed to pay {$650.00} for a reappraisal of the property based on an appraisal firm of their selection. Now, in XX/XX/XXXX, my LTV ratio is below 80 % of the ORIGINAL value of the propertyeven without a reappraisaland they are again refusing to cancel the PMI and are alleging that the original value of the property was {$280000.00}, and therefore, I am not yet at 80 %. However, {$280000.00} was the original purchase pricenot the original appraised value. 

I am requesting that Guild Mortgage comply with XXXX XXXX servicing guidelines for borrower-initiated removal of the mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the mail from a Commonwealth Finical Systems indicating I ow money for services that occurred in 2013 with a XXXX XXXX Emergency provider. This is not my debt! There was never any services provided by this provider in 2013. After researching I noticed there is another XXXX XXXX XXXX with the same exact birthday that lives XXXX and notice there is no ( R ) at the end. This company started to report this on my credit file and I am in the middle of trying to purchase a home. This is a huge mistake that is costing me and my family our HOME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax : I'm dealing with an XXXX XXXX account that was charged off in XXXX and sold to a collection company : Resurgent in XXXX. There's a Field on my Equifax credit call : Delinquency First Reported. This date has been re-aged several times, last in XX/XX/XXXX which had a major effect on my credit score. This continued re-aging make it appears as a new derogatory which dropped my score. 
XX/XX/XXXX shows a payment history and Equifax do not show a payment history. XX/XX/XXXXreport shows I made my last payment on XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. XXXX report that this account is reporting accurately when its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CarMax, 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 spoke with Carmax Finance on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that Carmax would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting Carmax for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

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 2021-02-08
Company: ACIMA CREDIT, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I purchased from XXXX online & I received contract via my email from Acima XXXX, I agreed & the merchandise came as I requested. My initial processing fee of {$45.00}, they collected {$47.00}, monthly payments XXXX they collected plus tax {$110.00} ( 3 ) times then 3 month early buy out was available & XX/XX/21 Sunday. Ive paid on time per my contract, they didnt send me all my receipts for my payments. When making final buy out they added a XXXX + for nsf. I confirmed with my bank not true. I called customer Svc @ Acima & rep XXXX refused to refund me overcharged funds, I asked for a supervisor XXXX refused too. I was appalled when supervisor refused & became very unprofessional & fabricated how I didnt pay on time which is untrue. I have direct deposit every month for the XXXX & XXXX, I confirmed with my bank before calling Acima, the supervisor didnt even treat me as a valued customer, I paid on time & did early pay out in full, its unfortunate how were in a horrible pandemic plaguing the whole World & Acima is taking advantage of their customers. My concerns may be minute, its the principle!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are currently numerous accounts listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
On XX/XX/2015, I allegedly opened a credit card with XXXX XXXXXXXX. The only problem is I was giving birth that day to my daughter. Her birthday is XX/XX/2015. I can definitely provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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:
Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
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: Problem with personal statement of dispute

Complaint:
Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX  ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX has harassed me regarding their new XXXX credit card, they have been calling me every day to sell this new credit card which I have not been interested at all. At the same time, I had lost my access to my account on the XXXX website due to some glitches on the website and had not received any paper statement from XXXX either. I still do not know what was purchased on behalf of me and I am guessing some of them are not mine. The only choice had left for me was to apply for upgrading for a new credit card, but I was not interested at all. I went on a vacation outside the US and had not been able to pay my balance. Because of that, a late payment was reported to the credit bureaus and my credit score has dropped by more than 10 %. I have contacted them many times and asked them to review my case. At the beginning, they totally ignored me ; then, they said they reviewed it and decided that it was not their issue that there were some glitches in their system, I " should have found some way to pay my balance ''. But I could not see what I was paying for!!! They ignored me many times and gave me misleading advices as well. I have also attached three snapshots from the XXXX ' Credit Card website that shows the error messages I had received.

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 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I made a complaint against Capital One for XXXX credit cards that I do not owe. I asked for validation and also sent an Affidavit of Truth and Cease and Desist. In the Affidavit of Truth I pointed out multiple violations Capital One has made against me in which they are Criminally responsible. I included an invoice for {$10000.00} for the violation of these federally protected laws. Capital One failed to respond to my Affidavit with an Affidavit. An Affidavit un-rebutted stands as truth. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. XXXX XXXX v XXXX, 108 F. Supp. 327 Federal case of XXXX v XXXX, XXXX XXXX XXXX. XXXX ]. Also see ; affidavit uncontested unrebutted unanswered [ United States v. XXXX, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Capital One has failed to rebut my Affidavit and therefore has Defaulted. I have sent Capital One a Notice of Default and Opportunity to Cure on XX/XX/XXXX. In this complaint I will attach original correspondence as well as Capital One 's response, and my reply to their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: TX
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:
1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account.

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation.

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form.

5. As of today, I pay XXXX and XXXX  for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account. 

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation. 

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form. 

5. As of today, I pay XXXX  and Transunion for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.

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 2018-02-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to get my loans removed since Ive heard about the XXXX situation not only have Ive been harassed numerous times about the loans but they promised me a job in the medical field and majority of the health facilities I attempted did not take XXXX interns ... its been 8 years and on my credit I have an outstanding balance for student loans thats the only thing hurting my credit score and stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2020, I walked into a branch of Citizens Bank in downtown XXXX to address several charges on my demand deposit account. I was directed to speak to an agent. I did not note the agent 's name as I had no reason at that time to suspect anything was amiss. She told me one option to address my concerns would be to open a new credit card. She told me I could be approved right away and could transfer a balance from another card and that there would be zero percent interest for one year. She made no further oral disclosure. I do not believe I signed any disclosure concerning any " balance transfer fee. '' After I opened this credit card account, I saw an approximate {$180.00} transfer fee on the account. I tried to address this with Citizens Bank and was told, in effect, " we made a disclosure. '' I dispute this fact and consider the practice of emphasizing positive features of a credit card, while ignoring, concealing or disclosing only in " fine print '' in a quickly-presented electronic form -- perhaps with a catch-all " I agree to all terms and conditions '' disclosure, if one was made -- to be an unfair or deceptive act or practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
A Santander car loan class action website has been established to inform consumers of a proposed {$550.00} XXXX settlement that they may qualify for. 

Though the website is live, the settlement is not accepting claims at this time. A judge has yet to approve the settlement deal. Top Class Actions will provide information on how to file a claim as soon as the details are available. 

The {$550.00} XXXX settlement would resolve a probe by 34 state attorneys general into allegations that Santander issues unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of XXXX Experian security breach. They are several inquiries on my file that I dont recognize. These inquiries are a result of the XXXX Experian data breach.

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