BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-03
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been sick to my stomach over this. I am barely getting on my feet financially. Please let me know what I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
Hello I applied for a credit card with navy federal credit union on XX/XX/XXXX of 2021 and it was denied and turn down due to incorrect credit rating and I send them my copy of my credit report and my other documents they have send me and trying to appeal the decision and I spoke to a supervisor and she was rude this happen on XXXX the XXXX of 2021 at XXXX XXXX  central time and I was unable to get appeal on my Loan/ and unsecured credit card application and I told her it was discrimination based on my race and XXXX and she hung up on me. I have the copies of my decisions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In the course of applying for a mortgage, the lender, Bank of America, has made what we deem egregiously petty and nuisance requests for documentation to satisfy their lending requirements and their final mortgage approval. 

For example, with a documented annual income in annual excess of $ XXXX and declared liquid assets in excess of $ XXXX, plus a pending $ XXXX net cash proceeds for a sale under contract for our current home, they want a written, signed and dated explanation for a {$250.00} check to XXXX, rental for furniture for a garden party we hosted. 

We ca n't begin to see the logic or relevance of this request to our mortgage application and approval and think it is a purely time and energy wasteful and unfair request. We have other examples that are just as egregious.

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 2017-02-24
Company: Santander Consumer USA Holdings Inc.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opted for voluntary termination of my car finance with Santander in XXXX. I have checked my credit score and it says my account has been seriously in arrears and gone into default as well as it saying the account has been closed. I was informed that voluntary termination should not affect credit score as written in legislation. I have emailed santander but received no reply as of yet. I have never missed a payment for any loans or finance in all of my credit history. I think this is unfair and needs to be amended

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Keep receiving voice messages XXXX saying that this is a reminder from an asset to inform me that my scheduled payment for the settlement on file number XXXX will be debited from my bank account and that I can disregard message if there is no problem with my account. I can reach them directly at XXXX. They never give me business name or state their name in the voicemail. I finally called number back asking who they are and who they are with and they kept dodging the question. He then said he was with a law firm and they were going to seize my assests for not paying on my settlement of a past car that was a XXXX and went to collections. I informed the person that I already settled that debt and have all my legal documents from the debt company showing my settlement reached and paid so this must be a scam. I asked again who is he with and he hung up on me. I call number back, same voice answered but he denied ever speaking with me. When I asked him what company was he with he told me " XXXX ''. I found the real company online and called them. The lady with XXXX said they are not with those people and believe they are scammers impersonating them and that they have reported it. I have not given any information to the callers but they had an old address on file that I no longer live at so I am concerned they have gotten a hold of my credit report or social somehow and fishing for more info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: MI
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:
In XXXX this year I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sallie Mae/XXXX continues to call me when I've told them they have the wrong person. They say thank you for letting us know but they call again. This has been ongoing for years.

They are calling everyone with the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a vehicle with Chrysler Capital ( a XXXX XXXX XXXX ) on XXXX/XXXX/XXXX and returned it on XXXX/XXXX/XXXX to buy a new car. All monthly payments have been made on time during the duration of the Lease and the remaining balance was paid in full by XXXX/XXXX/XXXX. However, Chrysler Capital kept my account open and reported it to the credit bureau agencies as delinquent on XXXX. This has negatively impacted my credit score and ability to acquire new loans. 

After repeatedly trying to contact Chrysler Capital, I was finally told that the account will remain open until the vehicle is sold and therefore they will continue to report my status as delinquent until the selling takes place. When asked as to why would they do this to their clients if they have been compliant with their financial responsibilities, I was told that they acknowledge the mistake and that " they are working on it '' to fix it but that unfortunately that is the " way the system works ''. They stated that their Credit Department will fix my Credit within 30 days. 

Again, in the meantime, this is causing me distress, loss of time as I need to dispute this with every Credit Bureau Agency and negatively affecting my ability to acquire new loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There are XXXX items listed on my credit file which the date of last activity was back in 2007, is n't there a law they are only allowed to report for seven years this company is not following the law. I disputed several times with the credit agencies and the items are still listed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have been getting calls from Midland Credit Management. i have blocked many many numbers from them. They keep calling from different numbers and leave no messages. they call almost every day. it is really starting to become bothersome. this has been going on for way too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A XXXX Debt Collection Agency called me in the early morning at XXXX XXXX on Tuesday XXXX XXXX. Their number is XXXX. They have called me hundreds of times before in the last 3 years. They always tell me they will take me off the list but never do. They always call me from different phone numbers because i have to keep blocking them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Status : Collection account. {$670.00} past due as of XX/XX/XXXX 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been charged interest on purchases during an XXXX month interest free period. I have spent countless hours trying to resolve this issue with American Express, but they are giving me the run around and not reversing all the charges. At this point, XXXX months of interest charges have been reversed, but XXXX months still remain. On my statements APR is still listed at 14.99 % with a purchase balance that they are charging interest on. This should be 0 % APR until XXXX 2016, which is also clearly listed on each statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX On XXXX XXXX Sent a Request in according to USC 15 1692 gto Enhanced Recovery Col As of today XX/XX/XXXX, Enhanced Recovery Col has not complied to the debt validation request. Enhanced Recovery has not ceased in their action of collection of a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
XXXX : Southeast Toyota Finance VT XXXX as Trustee of World Omni XXXX of XXXX Additionally : XXXX XXXX, XXXX XXXX, NJ, sent a notice XX/XX/XXXX We returned our XX/XX/XXXX leased XXXX at the end of our lease on XX/XX/XXXX to XXXX of XXXX. They inspected it, declared it had no damage, and took possession of the car. On XX/XX/XXXX we received a bill from Southeast Toyota Finance claiming that when they inspected the car on XX/XX/XXXX, XXXX days after the car was out of our possession, there was damage in the amount of {$350.00}. 
We have no way of knowing what happened to the car during those XXXX days. 

Background : A week prior to returning the XX/XX/XXXX leased car, I went to the dealership and chose a new XX/XX/XXXX XXXX to lease. A few days later, someone identifying themselves as a XXXX representative called ( my wife got the call ) and said that, as our lease was about to expire, they would like to set up an appointment to inspect the car. My wife explained that we had an appointment with the dealership to return the car and lease a new XXXX in a few days. The person on the phone said that was fine, then, and did not schedule an inspection. 

What followed : For a year and a half, we have been trying to settle this dispute. There have been innumerable phone calls, emails, and letters. We have been shuffled back and forth among the XXXX of XXXX, Southeast Toyota Finance, World Omni XXXX, and now XXXX. We have contacted every person they 've asked us to, which has been a significant number. The number of hours we 've put into this is abhorrent. 

Additional information : Our payment record with Toyota Finance has been perfect, both for the XX/XX/XXXX lease and for the XX/XX/XXXX lease. 

Present : We have done everything we know to do to protect our rights. It 's time for the harassment to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I sent this email XXXX on XXXX XXXX, XX/XX/XXXX and again on XXXX XXXX, XX/XX/XXXX and finally I resent it for a XXXX time to a board member who finally forwarded it to XXXX XXXX. I spoke to his representative on XXXX XXXX, XX/XX/XXXX who actually attempted to blame me for this entire fiasco. 

That said I feel as if I was taken advantage of by this company and would like for you to XXXX correct these practices as well as seek remuneration for me. 

Thank you in advance for your immediate attention to this matter. 

XXXX XXXX XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX : XXXX/XXXX/XX/XX/XXXX XXXX XXXX Eastern Daylight TimeSubj : Issue with bonus pointsTHIS E MAIL IS INTENDED FOR XXXX XXXX XXXX ONLY PLEASE FORWARD TO HIM IMMEDIATELY! 
XXXX XXXX, XX/XX/XXXXI have been a member of American Express since XX/XX/XXXX and as such have enjoyed an amicable relationship with your company. 

I received a solicitation from you and applied for an AMEX XXXX Rewards Card this past XXXX which offered XXXX bonus points once you spend {$2000.00} within the XXXX 3 months. I complied with all of the requirements by XXXX XXXX, XX/XX/XXXX and was XXXX notified today that I do not qualify for this bonus. 

Apparently there is an obscure rule that prohibits XXXX from earning bonus points for a new card, since they had previously applied for XXXX? I did not see this nor was I informed by any members of your staff during subsequent phone calls of this rule? 

XXXX of my reasons for applying for this card was to earn these bonus points and had I been properly informed prior to procuring this card I never would have applied! 

It appears to me that there are have been quite a few obscure rules that I have encountered in the recent past and personally I am offended by them. 

I have now lost an opportunity to acquire XXXX points which had I been properly informed I could have earned from your competitors. 

Your representatives albeit helpful and courteous have been of little assistance on this issue. 

I believe that I am entitled to these bonus points as I was led to believe that I was entitled to them as is expressed in my outline above? 

Thank you for your immediate attention to this matter. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Upon viewing my credit report in XXXX of 2015, I saw Midland Funding XXXX XXXX was listed on my credit report. They were collecting on a XXXX phone bill that was not my account. I disputed the account with the Credit Reporting Agencies XXXX CRA XXXX. Midland Funding verified with the CRA that the account was being reported accurate and was verified to be my account. I then wrote a certified letter to Midland Funding requesting the documents used to verify, specifically any documents to prove my liability for the account as well as proof of any payments made on the account from my financial institution. In response, Midland sent me a false statement created by them, made to look like a real statement with my name and address to serve as proof of my liability. They were not able to send any signed agreements or contracts nor were they able to show any previous payments made by myself on this account. Midland Funding is participating in illegal debt collection which is punishable by law. As a final resolution and to prevent future court proceedings, I am requesting proper debt validation to show my liability for the account or the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
When are you guys ever going to do anything to HSBC /Benefical for their mortgage loan practices. 

You can XXXX and read for days all the issues, Not crediting acct, High interest XXXX 12.0 % ), NO modifications, closing offices and not renewing loans, excessive fees. 

I know Im not the first one complaining to you guys. 

PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
My wife had accrued over a thousand dollars in one of her XXXX card which is serviced by XXXX bank corp. or HSBC. As she was delayed in her payments, Hsbc called her on the phone in 2010. HSBC made her to agree to several monthly automated payments through her checking account to pay the full amount. About 2 years ago, XXXX a debt collector served us papers through the courts suing us for the full amount. She searched her records but could not find any file that showed she had paid off the debt. We have accessed her checking statements online and indeed she made payments of around XXXX to HSBC card services CO id XXXX XXXX web misc XXXX for 5 months. She went to a local XXXX XXXX branch to identify what account the money went to. XXXX XXXX said they could not help us and told her to call HSBC. She was told by HSBC that they do not have records on how to track these transactions. We contested this in the local courts and the judge ruled that since we can not prove that the money did not go the account which is now held by XXXX that we have to pay XXXX XXXX. We sent a certified letter to the lawyers of XXXX XXXX stating that we are willing to pay on a monthly basis to cover the amount. My have not heard from them since. My wife is seeking a mortgage and the broker said that she has to settle this account before she can get a mortgage. 
We need help in trying to trace where the money went. 
As a warning to others, always keep your records whenever you payoff a debt. Also automated debits do not give a full record of where your money goes so probably it is better to pay off by check as a back up record. Creditors want to give you discounts on your debt for automated debits as probably it is hard to trace where your money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: GVA Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a call from a man stating he was an attorney wanting me to call a number because of a bounced check. I called the number the lady was rude she said I was a liar and I furnished them with a check from XXXX XXXX XXXX I do n't have an account and a pay check stub. and that I could n't file fraud because I did n't have a police report I told her how can I file when I did n't have anything to file. the phone number of this company is XXXX claim number XXXX. I called the federal trade commission and they forwarded me to you. They said they are taking me to court and if I do n't show up I will have to pay triple of what they say I owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Hi, American express savings only covers liability up to {$50.00}. 

How secure is the American Express Personal Savings site? 
At American Express we want you to be safe and secure when you bank with us online or by mobile device. 
If you tell us within two ( 2 ) business days after you learn of the loss or theft of your account access information or mobile device, your liability is limited to {$50.00} if someone should access your account without your authorization. Immediately report any unauthorized transaction to us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 have sent three certified validation letters to XXXX, Midland Funding, XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} XXXX /Midland Funding XXXX XXXX, XXXX XXXX XXXX Account # XXXX {$4800.00} XXXX Midland Funding XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX or # XXXX {$5300.00} Midland/XXXX- XXXX XXXX XXXX Account XXXX XXXX {$5800.00} Midland/XXXX- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.

Company response to consumer: Closed with explanation