BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Pendrick Capital Partners Holding, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/19 I received a letter in the mail from XXXX XXXX XXXX XXXX stating that this was an attempt to collect a debt. The amount due was {$1000.00} and that the original creditor was XXXX XXXX XXXX. The first sentence in the letter says Pendrick Capital Partners II LLC has purchased the account referenced in this letter. Yet the letter is from XXXX XXXX Solutions.

XX/XX/19 I recieved a letter in the mail that stated it was a debt and that I owed {$460.00} and that the original creditor was Pendrick Capital Partners LLC. Why is this company using 3 different names referencing them all back to each other. 
I mailed a letter back to XXXX XXXX XXXX which I am attaching requesting them to verify the debt. The back of the letter they sent me specifically states what I was allowed to request within 30 days. And I requested exactly that so I could verify this was even a valid debt that I owed it. I received a letter back which looks to be a scanned copy of a bill. Which seems to be fake. 
# 1 I should have also received this bill. It is clearly addressed to me and my address. No such bill ever came to me.

# 2 This is supposed to be a itemized bill as their letter says that is included with the bill, the bill is for {$1000.00} and only 1 thing is listed for the charge. If this was a real bill there would be more than 1 line item billed for.

This is not a real bill nor enough for me to verify I am connected to this debt alleged. 
# 3 the address on the bill is from a place in XXXX XXXX Nevada ( I live in MIssouri ) but it has printed in caps letters THIS IS FOR SERVICE AT XXXX. I do not feel any of this is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family in to our 1st Brand new home. Thank 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 2022-01-26
Company: HYUNDAI CAPITAL AMERICA
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX of XXXX we paid off the balance on our Hyundai Finance loan for a car purchased in XXXX. In XX/XX/XXXX, due to a failed automatic payment from our bank, we paid an additional {$700.00} to Hyundai Finance. We contacted Hyundai in late XXXX to inform them of the problem. We were told a check would be sent to us and to expect it in up to 3 weeks. The check never arrived and we called Hyundai again the week of XX/XX/XXXX to indicate the check had not been received. The new agents seemed to indicate no check had ever been sent. Hyundai now insists a check has been sent to us, but as of XX/XX/XXXX, no check has been 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 2020-01-06
Company: Braviant Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My original loan from Balance Credit was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to XXXX XXXX. These people referred me to XXXX XXXX who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than Balance Credit. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a XXXX XXXX XXXX. And it didnt even have my apartment number on it. 
I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Flagstar Bank, N.A.
State: MI
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:
Account # XXXX & Account # XXXX I have had 3 loans with XXXX. One I closed out very early, due to problems. The othe 2 loans, I always paid a few years in advance. As the loans became due again, I would ask the teller to reapply principal to the unpaid balance. Each & overtime ic came to Bank to make payment. On several occasions I would have to wait for 10/15 minutes whiles the teller called that appropriate office for this request. Teller would write a receipt and I would been my way.
Tellers were also informed that I had 2 accounts as well, so there was no confusion. I had multiple withdrawal slips at the XXXX XXXX, MI Branch for withdrawal slips, staff could go into account and always keep the account current. XXXX XXXX was the manager at the XXXX XXXX  Branch at the time. Afterwards there was a lady name XXXX at the XXXX XXXX Branch. I now work with XXXX at the XXXX XXXX. Branch for a little more than a year, and have had no serious problems that could not be handled within the Branch. 4 Lates on one account and on late on the other has seriously crippled my scores. They should be running in the low XXXX XXXX and these 5 later showing for {$50.00} payments is something that is not my fault. The fault lies with the tellers not knowing what they are doing and telling the customer, that they could not complete the request at this time. I explain to XXXX what I need, and if it ca n't be done at the moment that I am there. He will inform me as to when the task will be completed. Also whether I need to come back into the Bank to sign a slip. The results I am looking for are that all later are removed from both accounts. I have had 5 years of perfect pay history with the other 3 Fiancial Institution I have dealt with on Installment loans for {$170000.00} and have paid them all off as this year.
These are the last 2 that I have and will retire the XXXX debt on each account the beginning of next year. Please investigate and let me know the results at your earliest convience. Thanks, XXXX 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 2017-07-23
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX billing services has defaulted accounting practiced in the standard norms. I was provided internet XXXX XXXX by XXXX. I was supposed to have two year contract for their business. But I decided to move to a new place where I was n't provided the same quality services but different quality internet which was on repair status for one week. But then billing statement showed so many flaws .I had also reported to annual credit agencies who works harder with businesses to give fabricated credit report. This is to inform you that amount was charged fraudulently without my notice and permission. I will provide all documentation provided It is related to IRS as well as tax filing only after getting your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: FL
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:
Starting approx XX/XX/XXXX I was unable to view my Equifax credit report, get a score, or lift or place a report credit freeze. I have subscription to Equifx.com 's credit monitoring produce as well as XXXX XXXX monitoring produce. In addition, I have a free account with XXXX. I am unable to view my Equifax file or score using any of these three products.
The last time I was able to view my fie was X/X/17 Every time I call Equifax, I am offered no assistance There was a one week period where it appeared the problem was resolved but for the last 3 straight weeks and 5 out of the last 6 weeks, I cant access my file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-23
Company: SYNCHRONY FINANCIAL
State: FL
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:
Sam 's Club Annual Rewards checks were originally issued in XXXX/XXXX 2017. I called Synchrony Bank around X/X/17 due to non-receipt of my {$110.00} check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. On X/X/17 I called Synchrony Bank again due to non-receipt of the replacement check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. As of today X/XX/17 I have n't received my annual rewards check despite my multiple requests. I am requesting 2 things : 1 ) Your assistance in obtaining the {$110.00} via a credit to my account ( I 'd prefer not to wait for another check unless it 's coming XXXX ) 2 ) I 'd like to request that during the next Audit of this financial institution that their rewards practices with partners be reviewed specifically how many customers do n't cash checks and complaints related to non-receipt of checks. It 's appears to me issuing checks rather than issuing account credits is a way to retain some of the reward related expense due to customer 's not cashing checks they do n't receive.

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 monetary relief
Consumer complaint received 2017-07-23
Company: Credit Technologies, Inc.
State: TX
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:
Credit Technologies Did a hard credit pull on my account on XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA  and they are not removing them after I have spoken to the cooperate office who stated it would be resolved on XX/XX/XXXX instead the hard inquiry is still there. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my XXXX XXXX Stimulus check, and upon the bank 's Disclosure and Agreement, even for the new accounts, the check MUST be available on the next business day that's also what the bank teller told me. However, they put an extended hold for which I had to waste 3 hours of my work morning to find out what's going on. When I reach the representative, he said it's your first deposit so that's why there is a 5 business day hold on the Government Check. I told him to give me a temporary credit and while I was finishing my sentence he hangs up on me. I tried to chat with several representatives, no one helped me. They are violating their own disclosers and my rights and there is no one to contact with. 
I also made cfpb complaint # XXXX and received emails from the bank saying - We are still investigated your complaint.

However, after wasting 2-3 months, all I received was thair Deposit account agreement and that they have the right to close my account. The company 's response is nonrelevent and does NOT address to my questions and concerns.
Besides this problem, bank says they are planing to close my accunt. It's been over 3 months and I still haven't receive my account closing balance. They are holding my money and are not sending me a check while claiming the account is being closed. My rights are seriously violated. I wasted 3 months waiting for thair answer and for my money in the mail and they failed to do both. Their account agreements are NOT answering my concerns. If company continue to ignore I will move to Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TrueAccord Corp.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX  XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a XXXX XXXX XXXX as the current creditor - even though I have no relationship to or knowledge of XXXX XXXX XXXX. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). 

Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. 

None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
My XXXX XXXX XXXX  that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
When I purchased my vehicle it was converted from a lease through the dealership to a loan through US Bank. At that time, they sent me paperwork to transfer the the title and a check to cover the taxes. That paperwork at that time would have moved the title holder from XXXX to US Bank. This occurred in XXXX, the entire issue started due to the DMV being shut down in California/COVID protocols ... I could not make a appointment to transfer the title as everything was exclusively being handled online and you could not make payment via the Internet with a physically check. I repeatedly called US Bank and offered different scenarios for resolution ( connect to my PC and submit payment, web address for them to direct pay, send me a check in my name and I will pay ) but each time it was denied. US Bank asked after 90 days if I was unable to secure a date in person with the DMV to send the title and check back to them, which is what I did. Fast forward to XXXX, I pay off my loan ( vehicle now legally mine ) and I call to inquire about the timing of my title, they tell me wait 10 days and it will arrive, it never does. I call back XXXX and they tell me that they lost the title and they are not sure what they are going to do, ultimately US Bank escalates it a Division of theirs call XXXX which handles these types of issues. At this point US Bank sends me paperwork that I must get notarized at my expense to move the title from the original dealer to US Bank, from there they will handle the rest ( I have the documents if needed ), so I do and send them back. I am then told that they can bi-pass all that and send me new paperwork and and a check to move it directly into my name. The issues as it stands now, the DMV has imposed late penalties because US Bank did not properly transfer the title into their possession and US Bank no longer is willing to acknowledge my emails, calls or request to address this. 
Open issues are : Vehicle purchased in XXXX- still do not have my title. 
{$650.00} difference from what the DMV is requesting and what US Bank check is. 
I am unable to register my vehicle ( due in XXXX ) as they have a lean on my car. 
I have 43 attempts at contact with US Bank, no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I realized that fraudulent activity occurred on my account. Once I realized this, Immediately notified cash app. It took them several days to get back with me. These transactions where unauthorized. There was one that was done that I did not notice it until several days later. one was for {$20.00} and several days later {$2000.00}. Can app took days to respond and did not do anything to stop this. They notified me two weeks later that the investigation was terminated because I initated a charge back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Experian Information Solutions Inc.
State: MS
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:
I pulled my credit report recently. I did not consent to authorize nor benefit from these accounts.

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