BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I apply for auto loan through XXXX XXXX company, I told the finance department that I want to apply only though XXXX bank, and I applied by my self oniline though XXXX XXXX XXXX. 
I found that they applied through XXXX bank, XXXX XXXX XXXX and XXXX XXXX without my permission, When I returned to them, they said it was mistake. 
How can I remove those hard inquiries that I did n't authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They havent provided the dates that this debt was chrged off and the correct amounts of monies owed and how method of how they came to the determined amount as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am XXXX years old. I own XXXX homes without mortgages. I own XXXX cars without loans. I have substantial money in the bank. I have XXXX credit cards which never have a balance carried forward. The balance on the cards is paid in advance of the due date. I have XXXX years of credit history with no negative reports. TransUnion is taking my XXXX XXXX XXXX Bank credit card balance that is never carried over and is paid wel in advance of a due date to calculate my credit score. TransUnion will not explain why this is done and why it is only done on XXXX of the XXXX credit cards I use. I requested that TransUnion take my credit report and show me how they arrived at my XXXX credit score. My score goes down each month. I have had no credit inquires. My credit use is the same each month, with no balances. TransUnion has failed to provide this information. Credit scoring discriminates against senior citizens who have generations of good credit history but no longer have loans, mortgages or carry credit card balances. The credit reporting and scoring companies will not and can not explain how my personal credit score is determined and why it continues to go down. This score impacts negatively on the rates I pay for insurance. Credit scoring companies force citizens to have a credit score that impacts their financial transactions but they will not and can not take an individuals credit report and explain how the credit score is calculated or why it continues to fall when there have been no credit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I have called XXXX and TransUnion to correct my credit report. XXXX seems to have got it right. However, I have called TransUnion twice and also written a letter to their CEO to complain about one of their supposed supervisors whose attitude was deplorable and after spending an hour on the phone twice with TransUnion they still have things on my credit report that should have been removed. There are duplicates and the second person did not change one thing that I told her to. She was obnoxious and did not do her job and I am now reporting them for fraud as they continue to not correct the problems on my credit report. They have lowered my score since talking with this supervisor because they did not correct and they added an additional bankruptcy after I have worked very hard to improve my credit score and have done so with the exception of TransUnion. And they apparently did it with the blessing of their CEO. I want this investigated because after my husbands brain injury we have both successfully brought up our credit score and TransUnion has duplicates and has added another bankruptcy and their has been no such occurrence. I 'm sick and tired of the poor oversight on these agencies and with XXXX their is no actual phone number unless you pay for and get your hard copy report and then then they give you a number to call. This needs to be investigated. They have my husbands credit on mine and mine on his. And they have credit that was released in bankruptcy and should no longer be on my report. And they have accounts on their twice in a number of instances. I want them to contact me and we must get this score where it should be. The other agencies have, so what is their problem. And I want the CEO checked out to because he knows it has not been corrected and because he may know this person is allowing the corrections to not be made.

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 2015-12-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive repeated phone calls from Midland Credit ( XXXX ) at ALL hours of the day attempting to collect a debt that is not mine. I have read that Midland may be calling to resolve a debt owed by a relative of mine. While this may be the case, I do not have any joint credit with a relative that has ever been in default and do not want to continue to be harassed by Midland Credit for a debt that I was never a party to. 
Please issue a cease and desist order to Midland Credit from this unfair harassment practice immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER

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 2015-11-29
Company: Delbert Services
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2013, during a time of serious financial problems I applied for, and received a loan in the amount of {$2500.00} from Delbert Services, now called XXXX. My loan number is XXXX. To date I have made payments totaling a little over {$10000.00}. When reviewing my loan balance it shows I still owe slightly over {$2000.00}. This is absurd! I not only want my payments to stop, I also believe I am entitled to a significant refund. Please help me with this matter!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with HSBC bank in XX/XX/2016, and signed up with a promotional offer for a {$350.00} bonus upon meeting billpay criteria. I completed the requirements in early XXXX. The terms said that it may take 4-8 weeks after completion to receive the credit. I waited 8 weeks and contacted HSBC customer support. They keep saying to wait, or that they are investigating. I have now contacted them 5 times, over the course of 5 weeks, with no resolution in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the American Express Platinum card on XXXX/XXXX/XXXX with a welcome offer for XXXX membership rewards ( MR ) points after spending {$3000.00} within 3 months. During the 3 month period I spent {$3500.00} on my card and had a return for {$34.00} and credit from American Express for {$230.00} from their Amex Offers ( {$30.00} ) and the airline incidental benefit from the card ( {$200.00} ). American Express has set a precedent and has counted the airline benefit and offers as a payment and included that into their spend calculations in the past but even without counting that amount my total spend was {$3200.00} during the promotional period. Everything has been paid on time and I currently have a zero balance. I was awarded the XXXX points on XXXX/XXXX/XXXX once I had reached the {$3000.00} in spend with my card. I tried to make a transfer to an airline and it was blocked with an error code. I called American Express and they informed me that they are reviewing the account and it should be resolved within 6-8 weeks. 

It is now XXXX/XXXX/XXXX, 8 weeks after receiving the MR points in my account, and they are still frozen/blocked. I was told their review should be completed by now and when I called again this week they said it could take up to 10 weeks. The terms of their offer state : " Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. '' So I have been told 6-8 weeks and their terms state that I should have them within 6-8 weeks and yet I do not have them available to me. I find this in breach of the agreement we made when I applied for the card. 

I did some research online looking into why these points have been frozen and found out that there are a lot of other Platinum Card holders that have had the same issue. I am not sure if American Express overextended itself or what the issue is but I think that they have broken the terms of their offer and I would like my points released so that I can use them. I have been a customer with American Express since XX/XX/XXXX and this is my first membership rewards card and I am pretty disappointed in the treatment that I have received. I would think they would offer better service to the customers of their premium card with a {$450.00} annual fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I have been informed that I am unable to transfer any membership rewards points from American Express to partners because my account is under review. They are unable to provide me with any reason for the review and since a nearly half of my membership rewards points have been in my account for close to a year there is no valid Terms & Conditions reason to prohibit these from transferring to partners. American Express is unable to provide any reason for why they are frozen simply than they are under review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
My card was used in XXXX different locations in the U.S, XXXX, XXXX, none of witch is mine location ( address ) I live in XXXX, XXXX. And the card was always in my possession, the card was used 4 x. I discovered when tried to use it at XXXX, this card is a cash card, I received my payroll in it weekly, that 's how I knew exactly how much I had available. I Called Amex and they told me they were going to investigate, when I called the charges was still pending and they said I had to wait for the charges to go through for them to file a complaint. When I called back only XXXX charges had gone through and XXXX had dropped, they told me to wait for they investigating team to look at it. Well for some appalling reason they decided that I was at fault violating the serve aggrement section : XXXX, and closed my account. I called them asking for an explanation and they gave me no answer! Only that that 's what their investigating team had found. I told them they could never had found that! I have no connection with anyone or anything in the locations of the purchases, a purchase of pizza in XXXX ( um ... I am XXXX ) and a payment of some air talk phone ( my cell phone is XXXX ) nothing relates to me in any shape or form, the total is {$120.00} every bit of it of my hard worked money, given away to some XXXX and Amex serve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is a fraudulent charge on my account, I have researched the charge and deemed it to be fraud. I reported the charge to my financial institution and they have told me it can not possibly be fraudulent because I paid the bill, which is what a person does to keep an account from going delinquent. They told me I must go through an extensive process to reopen the claim even though it should not have been closed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Penncro Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX did not honor our contract agreement and sent me to collections without cause. They eventually sent a letter to Congressmanwoman XXXX XXXX office, but never contacted me. I have made several attempst to contact them but no response. Please not dates of documentation. I have had no gas for over a year and no heat. They sent me to collections and I want them to honor their agreement and remove me from collections and compensate me for all I have spent to keep warm. If they do not, I am filing a suet with my local court. Thank you. CR

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Harley Davidson Financial Services Inc
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Delay of an average of 3 days between receipt and processing of my loan payment while allowing interest to continue accrue for that period. This extends the payoff of the principle on the loan by increasing monthly accrual of interest applied to the monthly payment. 
Have sent periodic payment via Certified Mail/Return Receipt Mail to track time between receipt and processing payment to get this average. 
Have spoken to Harley Davidson Financial Services on this, but they refuse to change the practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt they are attempting to collect is over 10yaers old and the account has been closed. They call me at XXXX every night. When I answer, someone asks what my name is and when I ask who they are they say " please hold '' and then they transfer me to midland management. Whom I 've told several times that the account has been closed, I 'm not paying it, and stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 requested a copy of my signature giving the following companies permission to view my consumer report. 

Company name Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I recently received a full payment history and realized the following:1 ) When I modified my mortgage ( HAMP ) XX/XX/XXXX, Wells Fargo XXXX {$15000.00} to the principal without explanation. 
2 ) I was charged third party fees for my HAMP modification. XXXX for {$120.00} and XXXX {$50.00} fees. My understanding is that is not legal. 
3 ) Any monies I paid in excess of my mortgage payment were not applied to my principal balance. 
4 ) {$1000.00} incentive payments are applied in XX/XX/XXXX instead of their anniversary dates in XX/XX/XXXX. 
5 ) I should have received a {$5000.00} HAMP incentive payment on my 6th year anniversary on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I 've tried to buy tickets online on XXXX XXXX and all transactions came out as declined. When I checked my bank account I realized that XXXX transactions were actually authorized and XXXX dollars were missing from my account. I immediately called the bank to get the transactions reversed, once they were never authorized. Any regular bank would have blocked the second transaction since they were duplicates ( same website, same amount and made with less of a 5 minute interval. ). The bank informed me that they could n't do anything, that those were valid transactions, even though I told them I had the screen shots of the declined transactions. I was advised to call the merchant, who informed me that all the holds were immediately released since there was a mismatch on the address. I called the bank customer service who informed me to do not worry that in 24 hours XXXX XXXX XXXX XXXX the money would 've been credited back to my account. Today, XXXX XXXX the money has n't been credited back to my account and I was informed by the agent that it might still take 1 to 2 business days to have my money back for those declined transactions. I 've asked to speak to a manager or someone who could solve my problem faster, since all the money I had is being hold by the bank but they informed me that nothing could be done on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my transunion report ( through XXXX " the folllowing information is showing incorrect : - XXXX mortgage ( open with XXXX missing payment ), it needs to show " closed with zero missing payments - XXXX should show closed Please Transunion correct this information

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 2022-11-15
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I the consumer received in the mail correspondence related to an alleged debt owed. It was sent from a third party that I never gave permission to make contact. My privacy was violated and further this communication indicates a credit that should be in good faith refunded to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called Ally Financial today XXXX/XXXX/XXXX in regard to a fraudulent account reporting on my credit report. I spoke to a representative named XXXX who was extremely rude. I could n't understand why she was being so rude when I was quite cordial. At any rate, i explained to XXXX that I had been a victim of identity theft dating back to XXXX. I explained that I added a fraud alert and a security freeze to my credit report. I also told her that no one contacted me regarding opening a new account with Ally Financial despite the fraud alert being on my report. XXXX asked me some questions such as account number with which I could not answer. XXXX very rudely told me she could n't give me any information because it was not my account. I explained to her that there appeared to be a payment history reporting o the credit report and I wanted to request the documents as I had no bank account once my personal information was compromised and used fraudulently. XXXX told me she could not provide me with that information and I would have to speak to the fraud department. I asked her if she had a direct telephone number for the fraud department and she said " NOPE '' and hung the phone up on me. I immediately called back and I spoke to XXXX who would not provide her last name. I explained too her that someone had stolen my information, I placed a fraud statement on my credit in XXXX, prior to what states the opening date of this account was and no one called to verify anything. I explained to her that I new nothing about this account and I was hoping to receive documentation so I can find out what account was used to make payments and who 's account it was. XXXX told me she could not provide that information. I asked XXXX if I could have the fraud departments telephone number and she stated that I was in the fraud department as XXXX had just previously said I was not. I do not understand why they will not provide the documents used to put this fraudulent and inaccurate account on my credit report. XXXX stated it is not my account. Therefore, It should be removed. At present, I have no definitive answers or feedback from Ally Financial, only a very rude representative who obviously does not understand the impact this has had on me. I have not utilized credit since this began in 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 2016-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion, XXXX, and XXXX, are not following the Law, and are allowing XXXX ( because they pay these credit bureaus money as a member } to report improper information on my credit file. 
Each of the Credit Bureaus have received the verification information, and ARE NOT removing the bad information from my 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