BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out I had a judgement/lien placed on my home by Perouka, Miller, Klima and Peters, P.A. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the Perouka, Miller, Klima and Peters, P.A. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX  was purchased by XXXX XXXX and assumed the debt. The original debt was {$3000.00}, evidently Perouka, Miller, Klima and Peters, P.A. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX  and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of Perouka, Miller, Klima and Peters, P.A. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original three thousand dollars. They notified me the next day that their client XXXX  counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX I however got sick and was hospitalized and never was able to make the agreement. I called back in XX/XX/XXXXand explained the situation again, this time a representative of Perouka, Miller, Klima and Peters, P.A. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent Perouka, Miller, Klima and Peters, P.A. the documents onXX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XX/XX/XXXX they had an answer in ONE day to collect money. It is notXX/XX/XXXX and I do not understand why this is taking this amount of time.

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 2021-10-31
Company: Global Lending Services LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was less then 30 days late on payments. I have always paid it head, on time, or less then 30 days before next payment is do. I'm trying to keep my credit good and increase my score and show people I'm serious about rebuilding my credit after bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
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: Account status incorrect

Complaint:
The account XXXX  XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever

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 2018-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
I applied for a business credit card with Capital One. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that Capital One is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like Capital One gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I co-signed on one of my daughters student loans and this loan is up to date. However, she has three more loans in her name only that are starting to get behind. Since XX/XX/2018, they have called me 16 times but will not leave a message. They have called 11 times from XXXX XXXX XXXX XXXX, ( XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 5 times from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) so far. My daughter has sent them a certified letter asking that they not to contact her family members, job or her neighbors ( they have her telephone number ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: ALLY FINANCIAL INC.
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:
Back in XX/XX/XXXX I reached out to Ally financial after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new jeep lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from Ally Financial for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first Ally Financial statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to Ally Financial to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, my name is XXXX XXXX and I recently moved to XXXX and have had a difficult time finding a job and paying my credit cards payments on time. While this has been a difficult transition for me I have still managed to make two payments a week late in the last month ( {$35.00} ). 
I still do not have a job yet and have decided to join the XXXX XXXX in order to serve my country and become more financially independent. While this is still in processing I am adamant about staying on top of my bills and paying my credit card payments on time. It is very important to me to stay in my integrity and honor the debt that I owe. 
The specific credit card in this situation I am writing to you about is Capital One. I have made two late payments and have been charged twice for late fees ( {$25.00} x2 ). I promise that this will not happen again and I will stay on top of this bill I just need those fees waived and for the derogatory marks to be taken off of my credit score. The XXXX XXXX is looking into my credit history and it is imperative that I be making on time payments in order to secure my contract with them. 
Please from the bottom of my heart I promise I will make my payments on time I just need some help clearing these two mistakes off of my history and my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a line of credit that was opened on XX/XX/XXXX and will expire XX/XX/XXXX which had a balance of around {$1800.00} as of this month and on XX/XX/XXXX I added a new line of credit of XXXX. My issue comes in the fact that in end of XXXX I made payments to my account but the credit company has applied it to the more recent balance transfer. I did write them to ask that the applied my payment to the oldest balance transfer but they informed my that they can applie my payment where every that want.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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 information incorrect

Complaint:
Equifax under ( CARES ACT ) During the period that the payments on federal student loans are suspended by the Department of Education any payment has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: SYNCHRONY FINANCIAL
State: NY
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:
Today I received a letter, dated XX/XX/21, from synchrony bank informing me there had been an address change request and to " contact us immediately '' if I didn't make the request. 
I called and wasted 15 of my cell minutes only to discover that it was all a lie. 
This is harassment due to my previous complaint over synchrony STEALING my cash rewards money, and I want it to stop! 
I don't need the aggravation of thinking someone is stealing my identity, and I CERTAINLY don't need any more XXXX from synchrony bank. And I ABSOLUTELY do NOT want to ever have to speak with them again! 
They STILL refuse to give me MY MONEY!

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 2021-01-31
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Homepoint financial has failed to inform me the co-borrower of any issues with the property in XXXX, CA. They state that notices were sent in XXXX of 2019 and the account would be in foreclosure in XXXX. They also sent me the 1 year occupancy statement to remind me that I had to remain in the property for at least 1 year. It has been difficult to communicate with Homepoint financial with over 1 hour wait times to speak with anyone and very difficult to pay off the note when they did not allow me to through their system and forced me to use other methods with other fees. 

Homepoint financial addressed both primary borrower and co-borrower in one letter, so when I moved after 1 year I did not receive any correspondence after changing my address with USPS and confirmed it when I called them as they had no contact information for me when they switch systems. They still do not respond through any other mediums other than snail mail. 

They try to claim I was informed of the issues going on with the note but I was not as you can not mail out one letter to two people!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several written requests to this company that is reporting negatively on my credit report. The dates that I have sent to the company is XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have not received any responses from this company. It is having a negative impact on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On or around XX/XX/2020, via XXXX, I received a debit card in my name from US Bank. I do not have an account with US Bank, nor have I ever inquired about opening an account with them. I tried calling an 800 number for US Bank that was provided in the accompanying paperwork but no one ever answered the phone call. I did some research online and apparently these cards are being sent out to people who may have had their identity stolen in the past and the fraudsters may be trying to collect unemployment insurance using these stolen identities and use the cards to obtain their ill-gotten gains.

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 explanation
Consumer complaint received 2021-07-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX charged me {$810.00} for a item I never received and it is still on my credit report from XXXX and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet XXXX and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken

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 2021-02-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector is called Syncb. I called earlier today to ask about them being on my credit report. They told me that they have no record of me. They told me to contact you guys!

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 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
15 years ago, while living in XXXX Illinois I had a 5/3rd account, chec/ saving with overdraft protection. I over drafted my checking by XXXX cents I was notified by 5/3rd that I had 24 hours to bring account current, please note there was 10-15 dollars in savings account during this time. I went to ATM in XXXX XXXX and put XXXX dollar into checking account for the XXXX cents. I contacted Vp of account services XXXX XXXX or XXXX for XXXX XXXX and my banker on XXXX XXXX and XXXX XXXX XXXX. Now 5/3rd is suing me with threats about shutting down my checking privileges due to their error. I have tried calling staff wont give corporate number or contacts, refusing to give appropriate info, letter written to XXXX XXXX or XXXX. Their lawyers number is XXXX XXXX now they are saying I over-drafted my account by over XXXX. 5/3rd was paid their XXXX cents in a timely manner and they kept the money in accounts when I closed them years ago. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX charged me {$810.00} for a item I never received and it is still on my credit report from XXXX and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet XXXX and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions Inc.
State: OH
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:
Experian continues to send certified Dispute notices to XXXX instead of actually verifying and validating the account like they are asked to do. XXXX does not have an account for me therefore this is inaccurate reporting under FCRA guidelines. This account is closed and was sent to the Ohio Attorney General for further investigation due to incorrect balance. Please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After submitting a police report and FTC Identity theft report the credit bureaus still have violated federal and state consumer protection laws and haven't removed the fraudulent accounts as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Consolidated Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company named " consolitated management '' based out of XXXX AZ keeps calling my place of work ( will call 10-15 times an hour ) from multiple numbers saying I owe XXXX on a debt from XXXX. I have checked my credit report and the company they claim I owe is on there. There is a specific number ( XXXX ) that calls alot and today " XXXX XXXX '' called. He was screaming, using profanity, called me a XXXX  and a XXXX, and that he was a " locator '' coming to process me with papers for " breach of fraud ''. I have talked to attorneys and they told me this company is bogus and that the multiple calls, threatening of processing, and the harassing and XXXX calls are against the law. The " corporate '' office number is XXXX. I told them that they need to send me a certified letter since I have never gotten anything about this before, and " XXXX XXXX '' at the corporate office told me that the paperwork is what the locator is trying to serve me with, that he can not send me anything, and that not all companies that collect your SSN will report to the credit bureaus. 

I just want their calls to end and quit harassing me.

Company response to consumer: Closed with explanation