BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting that the dept. of {$280.00} is removed off my XXXX   account. I would please like to have it removed I am working o my credit and would soon like to purchase my first house! with this dept. being from the original creditor XXXX XXXX XXXX SC opened XXXX XXXX 2017 making this XXXX XXXX XXXX. I am asking please remove this account from my credit report so I can get closer to my goals.

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 2017-09-18
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is about XXXX XXXX XXXX XXXX in XXXX, California. These evil vermin saw me a year ago at their ER. They essentially read my XXXX XXXX and sent me home. The bill was over {$4200.00}, for a XXXX XXXX reading! This did not include any actual 'service ', that was all billed separately. Being post-XXXX America, and because I have the audacity to work for a living, I got bills from half a dozen different agencies. Despite attempts to make equal payments to all associated vultures, one slipped through the cracks. After 30 days without a payment these creeps sent me to a XXXX collection agency that is demanding usurious interest. The XXXX XXXX in their receivables department now refuses to work with me to get the account in good standing. Any patient not in immediate life threatening condition should avoid this place at all costs. Better to grab some cash and head to XXXX. They are a den of thieves and thugs. I can not believe this happens in America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: NY
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:
This is not fair unbelievable I am very mad I mailed my payment 3 weeks in advance its always received before the due date each month and for some reason it got delayed and I was a charged a late fee I called customer service they were very rude with understanding why it was received one day after the due date after telling them the truth I dont deserve to be treated this way Im a loyal good customer I always pay on time and before my due date not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry claims to have purchased a debt I allegedly owe from XXXX XXXX. I sent a validation letter from the reference # XXXX The only paperwork they have sent in their collection efforts is statement on a credit card billing cycle. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I am requesting the dates and a signed contract showing I have previous business with this companie. 
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. 
I would like them to cease collection activity with regard to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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 am filing a complaint here today in order to investigate some accounts in my credit report which I believe to be erroneous. These accounts must be validated immediately to prevent more harm to my credit file Here are the aforementioned accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} I already sent the necessary documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please verify and investigate the accounts above

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 2021-05-28
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In spite of telling them XXXX new mortgage loan servicer ), my payment has been send and the check was cleared already, they disregard that fact they received my payment and keep calling me for annoying debt collection calls. 
I sent check according to the address shown on the mortgage loan servicer change notice. Payment receiving center, XXXX and XXXX communication center do not communicate within the same organization. 

Incredibly incompetent and annoying. 
Wasting so much time answering their " debt collection '' calls. 

Please stop once and for all for this stupid institution to engage in this sort of irresponsible action. They are sending me wrong payment amount as well. They don't even read the purchased Note and Deed of Trust and changing the monthly payment amount. 

Totally unacceptable and illegal act.

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 2021-05-28
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Equifax continues to bill me $ XXXX after I have called more than 4-times spending countless hours on the phone with equifax representatives and have requested they cancel this service and credit my the funds charged as I have never received the service I paid for. I have no access to my equifax file, credit monitoring has not been cancelled and equifax keeps billing me. Equifax representatives told me the service will be cancelled and I would be credited. Neither of these has happened and I keep getting billed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MA
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 am trying to apply for another Apartment because where I live is not safe. Someone is using my identity at other addresses and social number. Addresses I never lived or stayed at phone numbers I never used. Jobs I never worked at

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SCAM! FRAUD! not sure what they want, they call from different numbers do not leave voice messages when i don't answer. Not sure, they call all hours of the day and night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a CapitalOne Spark business card, which CapitalOne is closing saying they are exercising their right to close my account because of the type of business I have and choose not to do business with me. They are discriminating against me and my business simply because I own a XXXX XXXX. 
My credit is excellent. There has been no unlawful activity whatsoever. My business with them has been in good standing with no issues. 
This is discrimination on their part at the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2023-03-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
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 has violated my rights. 
Under 15 U.S.C 1681 section 602 States I have a right to privacy.

Under 15 U.S.C 1681b section 604A paragraph 2 States an agency can not furnish an account or report without my written instructions.

Under 15 U.S.C 1666B A creditor may not treat a payment on a credit 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 2020-05-30
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Somebody created a " Cash App '' account in my name using my credit card information. On XX/XX/XXXX, this criminal sent themselves {$2200.00} from my bank account. I have contacted XXXX XXXX, who is doing an investigation. I have attempted to contact Cash App, which does not have a phone number. In order to email them, you have to have an account. I had to create an account to contact them. I asked them to do an investigation and gave them all my information. After waiting 3 days, they sent me an email today stating some irrelevant information about how to dispute if I didn't receive goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was just approached by a person claiming to be the new owner of my home and days ago I received an Unsigned letter from XXXX XXXX Offices letter stating that XXXX XXXX is the new owner and is recorded in the Reg of Deeds XXXX XXXX, XXXX  as such on XXXX. This man just moments ago, came to my door and told me that it is his business and that I will be served next week. This claiming of my home of XXXX yrs being XXXX yrs old and XXXX is seriously making me ill especially with my XXXX XXXX. I am also asking the CFPB please forward this complaint in its entirety to the FBI, IRS, XXXX for possible racketeering whereas XXXX XXXX is also involved with this XXXX XXXX and the XXXX XXXX XXXX and etc.. I am concerned for my physical safety and my home being compromised by these criminals. Please frwd this complaint as I have requested to the parties mentioned above before my life and home is in danger. I need this matter to be investigated for many possible crimes possibly violating XXXX act of 2001?? Please see received letter from XXXX XXXX, XXXX  and business card for supposed new owner. There is a reason that this is changing hands days apart please investigate and forward this as I have requested to those agencies for investigations. I feel my life and home is in danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
They repossessed my car, which they had the right to do so since I was in the V.A. Hospital for an elongated period. The problem I have with them, when they repossessed the car, they broke the law in the process. 
They broke into my mailbox ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) and took a piece of mail from my school ( pictures enclosed ). My neighbor saw a young heavy-set black female breaking into my mailbox. My neighbor asked, what are you doing? She lied and said I was her uncle, and I had misplaced my key. 
Later when I came home, the woman who fits that description walked up to me and asked my name. I asked why. She lied and said the mailman put my one-piece of mail on her door, and she is returning the letter to me. The same letter she stole earlier. 
The mailboxes are in the front of the complex. The mailman doesn't put our mail on the door. A couple of hours later, my car got repossessed. It is a classic case of false statements and false representations. The next day I noticed my mailbox lock was broken. My mail was all over the parking lot. 
I called Nissan regarding this issue and the gentleman who answered told me you people never pay you all bills. You people! That is a XXXX connotation the slave owners used to degrade slaves. I am an XXXX XXXX Veteran who fought for this country. I am a XXXX XXXX XXXX XXXX, and Nissan Financial is treating me like the lowest scum on this earth. I think not. 
I have many personal items in the car, including my bookbag, my laptop, tools, and clothes. All they had to do is knock on the door. I don't expect them to act honorably once notified. 
Nissan Corporation and the repo company is complicity to defrauded, deceived, and duped consumers under the guise of unflinching XXXX discrimination. Nissan has betrayed the public trust. They keep giving me the run around regarding my items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Credit Karma, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX I received Pre approvals for credit card/loan offers through credit karma that once I applied, I was denied. Effected my credit score and left hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Continental Finance Company, LLC
State: NY
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:
XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize

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 2022-04-02
Company: Experian Information Solutions Inc.
State: CA
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:
My Name is XXXX XXXX, and somebody has stollen my identity.

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 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
This Capital One card was being used for my business. On XX/XX/XXXX the business closed down due to lack of income. I closed the Capital One account approximately one year ago and was making payments on it up until XX/XX/XXXX. They refuse to lower interest rate. I have offered to try to pay them in full if they would possibly remove some of the penalties and interest. I was told on XX/XX/XXXX by  XXXX ( accounts manager ) that my principal on this card is XXXX, however she told me that they didn't offer any settlements. So I am expected to pay {$25000.00} by XX/XX/XXXX. I have made multiple attempts to settle with them, but they will not budge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A collection account was removed from my credit report from XXXX XXXX. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections 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 explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was alerted to a large scale problem with Bank of America customer service today, with multiple people stating money was missing from their account. I just went to my account, and XXXX that I received via XXXX 2 days ago is MISSING. I am infuriated. How does this even occur? I want my money restored ASAP.

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 2019-11-05
Company: AMERICAN EXPRESS COMPANY
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:
I opened an American Express XXXX XXXX card that I've had since it first came out in XXXX of XXXX. This card came with an anual fee of {$450.00} which I paid in XXXX, XXXX and again in XXXX, XXXX. The last anual fee covers the benefits until XX/XX/XXXX. American Express has decided to cancel this card without notifying me and for no good reason XXXX no late fees, no bankruptcy, everyday purchases ) and I find myself unable to use the benefits I paid for in XXXX, XXXX that were supposed to be covered for a year. American Express has basically taken my money and closed the door in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Franklin Collection Service, Inc.
State: NE
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:
A collection account was removed from my credit report from Franklin Collection Service. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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: Information is missing that should be on the report

Complaint:
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX XXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!

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 2023-05-12
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I need to be able to link my checking account to the XXXX XXXX, Pnc has made changes and it has locked me out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Auto Trakk, LLC
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: Information belongs to someone else

Complaint:
The car is reporting on my credit report as a repossession. We dont have any information on said car and would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation