BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Purchased a motorcycle in 2007 which was financed by HSBC Bank Nevada NA. Got behind and loan was turned over to XXXX XXXX XXXX for collection. Paid off debt but unable to get a lien release. HSBC Bank has the lien on title but sold this lending division to XXXX. Have contacted HSBC and XXXX numerous times trying to get a lien release and no one will send me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a promotional offer, but my registration was not processed by American Express because of an error on American Express 's end. I was not aware my registration was processed by American Express at that time. The offer was for XXXX starpoints for {$10000.00} spending ( broken into XXXX increments ). After almost completing the spend, I called American Express to see when I could expect the points and they told me I had not signed up for the offer and they had a lot of technical difficulties in the past for this offer. I was told to finish up the {$10000.00} spending and they would backdate the purchases and I would receive the bonus. Another phone call later, and the customer service representative said XXXX of the bonus was pending to my account and was from this bonus spend. I would later find out, by calling the 3rd party bonus program, that these XXXX points were from referral bonuses unrelated to the {$10000.00} spending incentive. Six calls over the course of two months telling me that the points were pending and would be given once the next statement closed, multiple online chats, long hold times, and disconnected calls later and I was told they could not back date my purchases and I would receive no bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am so sick and tired of dealing with the credit bureaus I have been trying to get them to remove all this misleading information from my credit report and nothing has been done to help me. I sent letters to this this year on XX/XX/21, XX/XX/21, and XX/XX/21 to let them know the errors and I have not heard anything back from them. I didn't get any mail, email, call, text, nothing. I make okay money now but can't get approved for anything this is holding my life back I need help someone must stop them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Specialized Loan Servicing Holdings LLC
State: NC
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:
My account ( # XXXX ) with Specialized Loan Servicing ( SLS ) has been positive with no late payments for well over two years since early XXXX. In XX/XX/XXXX, I obtained a written payoff quote of {$2300.00}. 

On XX/XX/XXXX, I made two payments - one electronic payment via their website in the amount of {$1700.00} and I mailed a certified cashier 's check to their office in the amount of {$600.00}. The electronic payment posted to my account within 24 hours and the check payment posted XX/XX/XXXX. 

On or about XX/XX/XXXX, SLS reported my account as delinquent for the month of XX/XX/XXXX. This inaccurate reporting has resulted in negative marks on my credit files with the three major credit reporting bureaus and caused my XXXX credit score to drop over 50 points. 

PLEASE HELP ME! I am due to close on a new home on XX/XX/XXXX and this inaccurate reporting will likely cause me to be denied approval of my new home and mortgage. Their representatives have been quite difficult to work with so I am seeking your intervention and guidance. Please help!

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 2021-08-28
Company: Experian Information Solutions Inc.
State: ME
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:
There is a credit inqury on my report for a small business loan under my maiden name that I did not apply for. Please let me know how to resolve this and also find out if the application was approved? It made my credit score go down significantly.

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 2015-08-25
Company: GVA Holdings, LLC
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: ENCORE CAPITAL GROUP INC.
State: OK
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 was issued a summons from Midland Funding LLC by XXXX, XXXX XXXX XXXX ( which lists a XXXX XXXX XXXX XXXX XXXX XXXX ) that also says XXXX XXXX XXXX XXXX with a " WRITTEN CREDIT CARD ''. Ending with a number of XXXX. 

I do not know or have no idea who and what these people are talking about. They have listed a previous employer. Which I no longer work for. I do not have a job. 

This summons says I have 35 days to dispute this debt in writing. 

This has to be some type of scam or fraudulent means of getting money out of me by someone who is impersonating me with a WRITTEN CREDIT CARD! 

THIS IS NOT MY DEBT! I ca n't believe this is legal. If there is anyway that you can help me with this I would greatly appreciate it. That is all the information that I have in reference to this absurd summons I was given. Not only that it is not my correct name. It is from when I was divorced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting XXXX XXXX, XXXX and continuing through today XXXX XXXX, XXXX Southeastern Toyota Finance calls my home line a minimum of 2 times a day regarding a payment arrangement I made on a voluntary repossession of a XXXX XXXX XXXX. The payment is due on the XXXX of every month ( {$150.00} ). I have not even been late. Today the reason for the calls " Is to see if anything has changed '', according to XXXX XXXX with XXXX ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
CITI bank recently sent me a promotional savings account as shown in the attached but it refuses to open up the account for me. I have been using this promotional savings account with CITI bank 3 times during the last year or so but they are refusing to do so anymore on the pretext that I took my money out as soon as the terms of the promotion was satisfied. The terms as explained in the attached documents is to leave a certain amount of money in the saving account for 60 days and the bank will give the customer the promotion within 90 days after the 60 days condition has been achieved. I have been doing so three times so far but they are mad and upset with me that I had been taking the money out of the accounts a few days after the 60 days requirement had been achieved. This is what I was told by a few of the bank representatives. This is a hypocritical and dishonest advertising as the bank requires the customer to leave the money in the bank for only 60 days and then to be upset with the customer when the money is taken out of the account after the 60 days. At one time they did not want to open the account for me as the bank was suspicious of where my money was coming from. So I had to take the documents to them to show them the money was coming from selling of five of my rental properties. At that time the bank opened up the account for me and I received the bonus. But this time the bank is mad at me because I have been taking the money into another bank with higher interest as soon as the 60 days period is reached. The attached precisely explains that the bank sent me an invitation but the bank refused to open up my account. The last time that I got the bonus I received a letter from the bank that the bank was going to close my account forever. Therefore, I had to close the account myself to avoid having a bad effect on my credits. 
Also, the last time I received a flyer in the mail that If I opened an account for {>= $1,000,000}, the bank would gave me {$2500.00} bonus. but the banker told me sine I have been a CITI gold customer I was qualified for {$3500.00} rather than {$2500.00}. But the bank only gave me {$2500.00} instead of {$3500.00}. When I objected to that I was told by the regional manager in Utah that {$2500.00} was better than nothing!!!. This is fraud in both advertising and customer relationship.

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 2016-05-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding is lowering my credit report and creating problems for me by reporting a Collection account on my credit report. This debt is NOT mine and yet they continue to ignore my requests to remove the derogatory remark. I ca n't understand how they can ruin someone 's life without providing any proof a debt is owed. If the CFPB ca n't help with situations like this I question why it even exists? The credit reporting agencies dispute procedure is useless in these situations and need to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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 status incorrect

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX-XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Application processing delay

Complaint:
I have a problem with Bank of America credit card service. I admit I made a large mistake. On XXXX XXXX I overpaid my credit card account by keying in an extra digit. This wiped out my bank account. Two or three days later I noticed my mistake and took action. Sine the incident Bank of America has repeatedly misinformed me about when my money would be returned to my account. At least twice they told me it would take the standard " 2-5 business days '' to process the refund to my account, and I have documentation to prove this. After 5 business days I did not see my refund so I had to pursue them further. During this round they told me it would take up to 10 days because of the amount of the transaction. Why did n't they inform me of that in the fist place? Now 10 days have gone by and still no refund. I have a " case manager '' and a number and an extension that gets me directly to a person. This person told me the refund was scheduled for XXXX today, XXXX XXXX. This has not happened. I am tired of them pulling my chain and I want my money returned to my account now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Heartland Resolution Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just received a collection notice from Heartland Resolution Group dated XX/XX/XXXX for a sate of service XX/XX/XXXX from XXXX XXXX XXXX. All my medical bills received for that date of service were paid back in XXXX. I had no outstanding accounts. Additionally, I have not received anything until today about this. It's been over 10 years. I would like assistance looking into this claim to 1. make sure it is not fraud, but 2. also dispute this claim as the service was over the statute of limitations for NJ of 6 years. The amt is XXXX, but the comments say I have an opportunity to pay only XXXX. Something does not seem right here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I called XXXX XXXX in XX/XX/XXXX to discuss that my hours were reduced and I needed some assistance to help me reduce the amount of the payment required each month. I was told that I had to default XXXX month before I could receive any help with their financial program. I refused to be late on my payments and decided to pay what was required each month. I called XXXX in XXXX to ask why I had no credit available when I did and I was told by a representative that I called in and requested to close my account. This was not true. I never asked that my account be closed because I knew that this would reflect negatively on my credit report. I asked them to investigate who reported this information to the credit bureau and I was not able to get an answer. I also requested the tape be reviewed that records the calls when a call is made to speak to a customer representative that is suppose to be taped for quality purposes. I got no response from them. I sent a letter disputing that I closed the account. I never received a response from them. The resolution im looking for is for XXXX to admit that falsely reported to the credit bureaus that I requested to close the account when I did not. Admit that they closed the account on their behalf for no apparent reason. I tried to do the right thing by contacting my creditor to let them know I was experiencing some financial hardship seeking some kind of remedy to help my to stay on track and my obligation to pay my debt as agreed. Instead, they lied an reported erroneous information to the credit bureaus destroying my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to contact Experian to delete inaccurate information off of my credit report and i have been unsuccessful. The information is incorrect including two names that are wrong but include the last name from a prior marriage that never legally changed with the IRS. Two incorrect addresses and three incorrect names that are not me.

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 2015-10-29
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have auto loan with XXXX XXXX. When opened I set auto payment, and in XXXX of XXXX I called inquiring what is needed to change my bank account for future withdrawals. They emailed me form, I filled in and faxed. Next month payment was not withdrawn, I called end of XXXX, and they claimed never received fax. I made payment over phone and set up net payment for XXXX same way in case auto payment would n't work ( was told at that time I can not set up auto payment for next 6 months because XXXX payment was missed which came to be incorrect ). Went on their web site and set it, and they withdraw twice on XXXX XXXX. Called on XXXX at XXXX XXXX, spoke with XXXX who told me they need me to fax my bank statement showing withdrawals. I faxed it on XXXX, than called on XXXX at XXXX XXXX and spoke with XXXX who confirmed they received it and that refund will be done by XXXX. Nothing happened so I called on XXXX at XXXX ( putting all times and dates so they can verify on tapes is this true statements ) and spoke with XXXX whose response was that they never received fax!!! When I confronted him with conversation with XXXX on XXXX he put me on XXXX minute hold and then they miraculously found my fax! At that time they said they need to put another request into system and it will take up to a week to receive. Since this was XXXX day since my money is sitting with them I asked to speak with someone higher, and at XXXX I was talking with XXXX XXXX who was " understanding '' but could not commit to expediting anything and passed me on to XXXX at XXXX. After me repeating all incompetence on their side, she became defensive and now claimed that my faxed bank statement is invalid, because I have XXXX all other charges on my account ( do not feel it is any of their business knowing what I am paying besides their loan ). They claim they have no way of finding proof on their end of charging me twice, which I find unbelievable. 
All of this is putting additional burden on my finances, and I will probably not have enough money to cover all my bills next month, due to Chrysler financial holding my {$530.00} for close to a month now. 
Asking for help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
we have a motor home account thru Santander Consumer USA. Our payment was due XXXX. I called their customer service on Monday XXXX and stated we had not recieved an statment/bill. They stated the statements are generated on the XXXX of the month. No date when they are really mailed. As a rule we recive the bill 1 week or less before it is due. There is no postmark on the envelope, so we can see when it is mailed. I believe there is a minimum time set by the government or banking industry to prevent this problem. Should n't a person have more time? Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Filings and Claims Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The collector keeps calling my cell, my job, and my family. Claiming they are going to serve me papers at my home or place of employment. They are making threats and using different names. The call to my job was from XXXX XXXX Services, To my family they are identified at Fling Firm but from the same number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEM Has been sending me collection notice in the amount of {$300.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 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 non-monetary relief
Consumer complaint received 2021-08-30
Company: Santander Consumer USA Holdings Inc.
State: CA
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 letters to dispute items on my consumer report to XXXX XXXX, AND XXXX, the investigation took well over 30 days

Company response to consumer: Closed with explanation