BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hi, I would like to file a complaint re this company who has been harassing me about a creditor who placed scary calls to me, my spouse and my niece re an HSBC XXXX loan ( car stereo ) amounting to XXXX and now saying that i owe them total XXXX. That i needed to pay them ASAP otherwise i will get a Summon this Friday XX/XX/2021. The guy i spoke with said that I now owe a total of XXXX and that i needed to pay XXXX if i want to settle outside court. They asked me to loan money from people so that i can pay that. Please the voice message below. I felt threatened and so is my family. They said that they sent a letter 6 months ago with settlement which i did not receive. 
This is an urgent message for .... name is XXXX XXXX. Some abandoned XXXX. My office has been retained to deliver documentation to your property address. This is regarding a pending complaint being ordered against XXXX. If no contact is established today, our field investigator will be dispatched to your property address and place of employment on record. It is very important that XXXX contact the issue Infirmed today at XXXX and refer to your complaint number XXXX If no contact is established with that issue infirmed today it can result as an order of noncompliance. And after this my final attempt, the documents will be filed as a failed action to serve.. Click here : XXXX to listen to full voice message. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
This will be the fourth attempt with Equifax to fix this error. I've called, file a dispute, filed with the CFPB and each time Equifax intentionally makes the error more egregious. I'm now being denied loans, credit cards, and student loans for my sons due to this error. They now put a 120 days late on a closed account consolidated in 2021 when I consolidated my student loans. I've provided them screenshot, letters from the department of education and now they've made the problem worst. This is a clear violation of my rights and has REAL damages to my both emotionally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 I was admitted into the hospital for XXXX. When discharged I made my mortgage payment it was 1 or 2 days over the 30 day mark. I contacted Carrington Mortgage asking for a courtesy removal of the late payment due to medical emergency. They declined to do so. I am attaching all of the correspondence involved as well as proof of the hospital stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was supposed to receive a {$300.00} bonus for opening a checking account with BMO Harris after completing the following requirements within 90 days of opening the account : - 2 direct deposits of at least {$500.00} each - 10 debit card transactions. 

I met these requirements. I was told that I would receive the bonus 120 days after opening the account, but still have not. I called the bank and multiple long holds was told that the person I spoke with couldn't help me and I had to call back during different hours. I don't have time to jump through all these hoops just for BMO Harris to honor the terms they promised.

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 2020-01-15
Company: WELLS FARGO & COMPANY
State: FL
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:
Wells Fargo is incorrectly reporting information to XXXX, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to XXXX and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX and XXXX  to provide me with a copy of an original contract with my signature to prove I indeed have an debt with Wells Fargo and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.

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 2019-09-29
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I became XXXX on my job, the supervisor call the fire department, and I was taken to XXXX XXXX XXXX Hospital , Inc because I has XXXX XXXX I was admitted over night. They took XXXX  and put me in a room and given XXXX XXXX for XXXX and I talked to a few doctor about my pain. Than the next day I was discharged. I have received over 4,000 dollar in medical bill. This happen in XX/XX/XXXX XXXX. I just got another bill {$2300.00}, I am already paying collection {$100.00} a month. I don, t believe this is right, I do not owe all this money. I am XXXX year old, now I have to work just to pay this bill. I had a problem with my XXXX XXXX  insurance. which did not pay the Hospital. I thank I am over paying these people. What do you thank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This year of XXXX  I recently discovered that I was a victim of unemployment fraud someone received almost XXXX XXXX in my name that I am responsible for! Ive submitted police report and ftc report Ive reported it to the unemployment office but theyve denied my reimbursement twice over the past 6 months they wont tell me why all theyre saying is I no authorize the charges

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 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Kohls credit card The protected balance variable interest rate increases each time there is an increase in purchase variable interest rate. I have two balances on my credit card statements from Kohls one is the purchase balance that one is subject to variable interest rate changes. The other balance is a protected balance that should not be subject to variable interest rate increases. The issue I am experiencing is that each time my purchase variable interest rate increases the exact amount of increase also happens to my protected, balance, variable interest rate. 
I only have access to my XXXX statements and have provided the information below, and also followed up with an email with pictures of the statements. But this issue has been happening since I received a protected balance, variable interest rate, and it has been increasing each time I purchase APR increases. Ive been trying to get help over the phone about this problem they will not help me over the phone. They said I need to mail a letter or pay off the balance to stop the increase of rate on the protected balance.

Statement : XX/XX/XXXX Purchase rate 28.99 % Protected balance rate 27.99 % Statement : XX/XX/XXXX Purchase rate 30.24 % Protected balance rate 29.24 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: FL
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 been battling with Equifax since last year because of their unlawful and unauthorized reporting. To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. My last communication with Equifax was on XX/XX/2022, where once again ( previously submitted XXXX XX/XX/2022 ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to 15 USC 1681c-2 they had to block the information being disputed and correctly identified on the FTC report in 4 days. Today is XX/XX/2022 and said information is still being reported. I filed several complaints and they have replied what seems to be an automatic and generic response while violating my consumer rights and violating the laws by which they need to abide. 
I have submitted complaints # XXXX, XXXX, and XXXX which are now closed, and nothing has been resolved. 

In my FTC report, you will see that XXXX XXXX  is listed as not having any kind of contracts with me, no authorization, no debt validation paperwork has even been sent back to me, yet Equifax continues to reply " verified '' by default to my disputes. 
I also disputed XXXX XXXX. The payment history is wrong, I was never late, and after XXXX XXXX  and Equifax did " investigations '' ( said investigation methods are yet to be disclosed to me ) they still continue reporting lates, which DID NOT HAPPEN. Furthermore, pursuant to 15 USC1681a- ( e ) factual information should not be included, these were my written instructions on the numerous written communications I've sent to Equifax XXXX yet they willingly and knowingly continue violating my privacy, my consumer 's rights and still answer they have reached out to the company and it could take up to 60 days! 

BY LAW, EQUIFAX WAS TO BLOCK SAID INFORMATION WITHIN 4 DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I originated a loan with Mariner Finance for approximately {$4500.00}. After a few months I borrowed more money for a total of about {$8500.00} dollars. The last week of XXXX, I consolidated my debts with XXXX XXXX XXXX in XXXX XXXX. In all, there were about 5 institutions that were sent out a check to be paid off. These institutions included Mariner Finance. Of all the institutions, Mariner Finance in XXXX XXXX XXXX, FL ( Closest in proximity to XXXX XXXX XXXX XXXX ) supposedly did not received their check. I have waited 3 months while still making a {$260.00} payment on the Mariner Finance loan. I stopped payment because they were supposed to get the check 3 months ago. A second attempt was made to pay the loan and there was still problems with executing the payment. loan originated at approximately 34 % APR. The loan now sits at about 28 % APR. I contacted a regional manager who said, well if we have not received the payments, theres nothing we can do. I called and spoke to him on Tuesday, XX/XX/XXXX. I am still making payments on this loan since it was supposed to be paid off in XXXX. My credit has been ruined more from this loan. visited the XXXX dealership to trade in my XXXX  XXXX for a newer model. However, because Mariner Finance has a lien on the car, I can not trade my car in for the newer one. It has been three months since my initial attempt to pay this loan to no avail. I called Mariner Finance and told them I had the cash, a bank account, or a personal check to pay off the loan. However, This was supposed to be a quick emergency loan to get out of an immediate financial obligation. This was not supposed to be a loan where I would have to call the corporate office in Maryland to try and get someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 -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 2022-02-22
Company: Experian Information Solutions Inc.
State: IL
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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2020-01-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I bought items on XXXX  using the syncrony bank card. I used the 6 months /interest option. This was in XX/XX/2019. I ended up with promotional balances due in XXXX, XXXX, and XXXX. Throughout my payments they were allocatting money toward the XXXX and XXXX promo balances and overall around 600.00 was allocatted toward XXXX and XXXX instead of the XXXX balance which was due first. I started calling them in XXXX to complain and each time they said it was fixed and it would take up to 2 business cycles to correct. Now here we are and it is XXXX and my promo balance due in XXXX is almost 600 more than it should be. I have been talking to them 2 hours now and still not fixed, even though XX/XX/XXXX it was supposed to be fixed. i feel robbed am am facing major interest penalties. what can i do.

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 2023-04-25
Company: John C. Heath, Attorney at Law, PLLC
State: VA
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:
XXXX XXXX XXXX used my name in their response many times and I was asked not to use any personal information. First off the loan was to rebuild credit that was never on my credit before XXXX so it didnt help. They only put it on there after my business was shut down and I was XXXX XXXX XXXX XXXX XXXX  and my bank account with fund raising money was taken and I was stuck in the hospital. The promise to pay was from the account that was compromised and I asked it be removed. Plus how can you do this to a person whos fighting for their life and was still doing her best to pay her bills I didnt ask for any of this. How can you charge off a vehicle that you didnt charge off? If you did thats not legal. You cant charge off ( write off ) a loan youre still collecting money on. Plus you sold not only me but many many people wrecked vehicles and did nothing to reimburse them. So this is how you handle customers who were affected by the pandemic left having to fund raise money for medical care because you wrecked their credit and refuse to remove it? This is what your company stands behind? All I asked was for you to take it off since Im paying the loan so I can get medical care and you cant even do that. This is sad very sad!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2022-12-23
Company: JPMORGAN CHASE & CO.
State: OH
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:
JPMorgan Chase added inquiry for credit card on XXXX XX/XX/2022 for credit card. I did not apply for any credit with them. Called ( XXXX ) XXXX and reported incidence to XXXX at credit card services said it would take XXXX to 60 days to remove. 
They need to remove this immediately. I dont know how this happen because I have a freeze on my credit reports.

Company response to consumer: Closed with non-monetary relief