BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my CapitalOne card ( XXXX ) to reserve a hotel room at the XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX, for that same night. Because I was in a truck and using my phone, it was difficult to navigate the confusing flurry of pushes from various travel marketers ( XXXX, XXXX, etc. ) and I inadvertently ended up in the XXXX portal. Despite several attempts to set the correct date, and my belief that I finally had the right ( i.e., same-day ) reservation, unbeknownst to me XXXX set the date for the following week ( XX/XX/XXXX ). 

Upon arriving at the hotel desk minutes later, I was informed by desk agent " XXXX '' that XXXX had instead booked me for XX/XX/XXXX, instead of XX/XX/XXXX. After a frustrating hour or so of attempting to communicate with XXXX overseas call center personnel, XXXX was able to cancel the incorrect reservation ( XX/XX/XXXX ) and booked me right then and there for the night- unfortunately for an additional $ XXXX compared to the price I expected. That cancellation was verified on XX/XX/XXXX by hotel manager " XXXX ''. 

Despite having cancelled the incorrect reservation within an hour of booking, XXXX has refused to refund the {$200.00} charge - EVEN THOUGH THEY DID NOT PAY THE HOTEL. Despite an extended conversation on XX/XX/XXXX with their Transaction Support Center ( i.e., dispute department, CSR " XXXX '' ) CapitalOne has not been able to make XXXX do the right thing. Regardless, that's what credit card companies are required to do - protect their card holders / customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I signed a loan modification in XX/XX/ on a home equity loan I had had for almost 20 years. In late XXXX of XXXX my loan payment was withdrawn but lost in a direct debit error at PNC Bank. I provided proof of transfer from my primary bank account at XXXX XXXX for {$1700.00}, my regular monthly payment. It took 6 weeks for PNC Bank to track the missing payment. Meanwhile while still searching my account became delinquent. At 31 days delinquent on XX/XX/2023, I was sent to preforeclosure. When I addressed this issue with XXXX from PNC Loss Mitigation he knew nothing about the missing payment, or that my loan was even restructured. He requested the full amount past due on the previous loan {$12000.00}. This is why the loan was restructured- A higher monthly payment for two years. When I contacted the monthly servicer of my loan, XXXX. the one who lost the payment ( XXXX XXXX ) she knew nothing about the foreclosure. I also was not getting a financial statement each month on this new account. The error by PNC Bank and their subsequent woeful unfamiliarity with my loan is astounding. The incompetence of the loan servicer who lost the payment and XXXX from lost mitigations and bold disregard for my concerns and the history of this loan is reprehensible. If I had just been allowed to pay the new monthly payment with any delinquencies the cost would have been a fifth of the demand amount loss mitigation required. My attorney is in the process of preparing a lawsuit against PNC Bank and their loss mitigation department. Lastly, when PNC Bank 's internal affairs division contacted me, the representative from that department was told by XXXX from loss mitigation to and I quote, " to stay out of it! '' Please address this complaint as they are two weeks from filing a foreclosure proceeding on my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a followup complaint. Initial complaint # is XXXX. 

BMO responded to the initial complaint ( attaching pdf document ) and shared the contact number of Fraud Department Manager ( ( XXXX ) XXXX ). I tried reaching out to the Manager more than 20 times in last two business days during working hours. Call was directly going to voicemail and I left a voice message. BMO didn't show the basic courtesy to call back and is not taking any effort to unfreeze the account.

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 2023-04-10
Company: Atlanticus Services Corporation
State: FL
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:
In Accordance with the Fair Credit reporting Act Aspire Card  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 : II also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my transUnion, XXXX, and XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested a personal loan in the amount of {$1700.00}. When I checked the address of the requestor, they stated that it was an address from XXXX, TN in which I have never lived there. I have been trying to remove that address for about 4 months now. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Klarna AB
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have used Klarna services for the past 4 years and recently their reposnses have not resolved the issue. They have been generic copy and paste ( evident by my very clear issue being explained and the responses have nothing to do with the issue ) and not one supervisor has responded. As of XX/XX/23 I can NOT MAKE any purchases with Klarna. It is DISINCTIVELY saying that my identity can not be verified. Which is IMPOSSIBLE because A ) I made 2 purchases that week with no problem. B ) Its the SAME exact card and information. C ) I have been a customer for several years D ) Circles back to point A, how can SUDDENLY they cant verify my identity and Ive made 2 purchases that week and a customer for several years? 
To make matters worse, customer service is of NO HELP and provided me generic responses ( which I know are saved and used to help customers with the same common problems ) but serves no point when it has NOTHING to do with my problem. I was told the following responses 1. You dont have any purchase power- No, you CLEARLY did not read what I typed because my available purchase power was {$900.00} EXCLUDING my current and recent purchase of {$130.00} 2. You have the wrong personal information- No, I do not. NOTHING HAS CHANGED if I am REGULAR CUSTOMER and made 2 RECENT PURCHASES IN 1 WEEK.

3. Transunion needs update your information- No they do not! They have the same information you have and I have ACCESS to my report 24/7. I even called XXXX and they not only verified what I see when I log into my XXXX account, but emphasized that the problem is on Klarnas end. 
4. Uninstall and reinstall the app. Did not work 5. Delete and reconnect your banking information- The SAME EXACT INFORMATION for the pass several years? I did it and it did not work.

6. A manger will reach out but it will take 11 days What TYPE OF RESOLUTION IS THAT? 11 days for someone to call and reach out? It is XX/XX/23 and NOT ONE Person has reached out to fix it.

By the screenshots below you can visibly see the error I am getting is SPECIFICILLY about my identity which again makes no sense when I am a repeat customer and used the service several times in 1 week. How is that SUDDENLY my identity cant be verified? One agent even mentioned that it is an communication error on their end and should be fixed, but give it several days. It does ludacris and STILL not resolved. This is an error on Klarnas end and the fact that I have EXTENSIVE SCREEN SHOTS indicating what the issue is and the senseless uniformed responses are insulting. I want my account FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Ashley Store Card with Synchrony Bank.I have minimum payment of {$36.00} made on XX/XX/XXXX but my payment date on XX/XX/XXXX they charge me a late fee of of {$30.00} with no grace period but waive {$30.00} but still have to pay {$67.00} on XX/XX/XXXX instead paying the minimum.I cant afford to paid the {$67.00} only can paid the minimum so going to charge another late fee where I be in default.Seen to me Synchrony Bank price gouging.This to me illegal seem to me there so be a grace period put in place.Should file a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Issues with COLUMBIA DEBT RECOVERY LLC DBA Genesis Credit Management LLC. 

I leased an apartment back in XX/XX/XXXX in XXXX XXXX XXXX XXXX, aside from the rent, I had to pay proportional water and sewer that according to the lease contract, is around {$47.00}. When I received the apartment it presented several issues, mechanical, not clean, with stains in the walls and carpet, sent video and piuctures. All of this was communicated in email and letter on XX/XX/XXXX ; most issues were not taken care of by the leasing office. During my time in the apartment, the water and sewer was never more than US {$32.00}. On XX/XX/XXXX I gave my 60 days prior notice and vacated on the date indicated, XX/XX/XXXX. We cleaned as much as possible but the persistent issues since it was received continued in the apartment. I paid the proportional for all costs ( rent, water, sewer, trash, etc. ) for 12 days of the month of XXXX the A month later I receive an email that I owed US {$330.00} for water, sewer, utility, trash and cleaning and carpet cleaning. The cleaning and the carpet cleaning was US {$180.00}, I disputed the amount entirely since the issues they indicated where the same I made when received the apt . water and sewege charged was US {$120.00} ( 4 times the normal avg fee ) and I also disputed the amount. I sent the evidence but they didnt want to accept it and asked for evidence of the issues and the receipt for the services charged, they did not sned anything. Now 3 years later they sold this account to a collection agency expecting to me to pay without justification and when they couldnt get to me, they decided to put it in my credit report in at least 2 credit agencies, I submitted today disputes. This is an extorsion since being so small amount people would just pay to clean their credit, but this is not a true debt, its extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I purchased a new car on XX/XX/XXXX and Santander Consumer USA financed the car for me! The car was XXXX I placed XXXX down which brought the car to XXXX then after taxes and fees the car was XXXX well Santander financed the car for then basically did a dollar for dollar on the finance charge, so they charged me XXXX for the finance charge, so I am paying for my car twice which comes up to XXXX XXXX paying for a car that was XXXX! I have had the car for XXXX  years now, I have filed Bankruptcy XXXX  times and they have charged off my account and also written-off the account which means they no longer have it and they have gotten a credit for it on taxes, but they keep calling me and harassing me and keep lying to me about what they have done! This is ridiculous and should be against the law! And they also shared my personal information and account number to someones personal information! I really would like to know how I need to proceed with filing charges against them for that! I have the letter from the CFPB it happened XXXX XXXX, XXXX! I believe and you guys caught it on XXXX XXXX XXXX! How can I move forward with this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was an authorized user of 2 Bank of America Credit Cards. An authorized user is considered a secondary user and is not liable for any balances on the credit card.

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 2023-12-10
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per XXXX as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer XXXX have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX PLUS XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX -CAPITAL XXXX XXXX -GM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-07-21
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Basically my car was repossessed recently due to the fact that I miss some payments on my lease. The reason why I missed payments is because I recently switched my credit card numbers due to a recent fraud claim which is actually identity theft and the payments were an auto pay so I didn't realize that it wasn't going through. to make my point stronger I didn't get any notifications saying that I didn't pay that month or anything like that and for that reason I have no idea of the situation and he randomly repossessed my vehicle I would like this repossession on my credit report should be cooking off my report because this will affect me immensely in my future career I always pay on time and this was a total mistake and unfair thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within 30 days. Around XX/XX/2023, I disputed the above debts with Equifax, XXXX, and XXXX, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.

Company response to consumer: Closed with non-monetary relief