BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: SANTANDER HOLDINGS USA, INC.
State: MD
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:
Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the Santander Consumer USA INC account violate this law. This letter is requesting the removal of all late payments on the following account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX XXXX information was comprised. In which two new hard inquires were made on my report within the past 30days ( capital one XXXX and XXXX XXXXXXXX XXXX XX/XX/23 ). These were not done by me. I already contacted each Bureau about the fraudulent injuries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 
Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # 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 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 seven 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. This is fraud i have police 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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:
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 o payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Mandarich Law Group, LLP
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I checked the court website to find out when a certain debt was paid and noticed that a judgment was awarded against me in XX/XX/XXXX without my knowledge. I wasn't served any paperwork in regard to this hearing so I could go and defend myself in front of a judge. The court website said it's XXXX XXXX that is suing me but when I contacted XXXX XXXX on XX/XX/XXXX, they had no knowledge of what I was talking about. I was told to call XXXX XXXX and once again, was told they had no account in my name. So I called Mandarich Law Group where I asked for a copy of the summons for this case and XXXX XXXX told me that he couldn't find the summons and no other paperwork could be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Credit Karma, LLC
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
There were several occasions where credit karma guaranteed if I wasnt approved then they would pay me. This happened multiple times as I am trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Upgrade, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was text an approval letter. I was asked by phone which of the options I would like. I was then told that I needed to provide my username & password for my bank accounts so they could verify my account. I said I was not going to do so, but would be happy to provide pay stubs, bank statements to prove my application was accurate. He hung up on me. I was give the clear impression that I was already approved. I was sent only one text with the attached letter. No additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I used a XXXX XXXX  credit card with PayPal. Of the two sites I reported, one proved fraudulent, I am independently compensating the other. XXXX has resolved both concerns. Paypal refuses to close the 'open concerns ' and thereby, refuses to allow me to close my account. I need your help. 
PayPal case ID XXXX Paypal case ID XXXX. 

All I want to do is close the PayPal account... forever. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: BANKERS HEALTHCARE GROUP LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have attached a copy of my personal loan from Bankers Heathcare Group. The interest seems predatory. I received a flyer in the mail, called about it and that same day a notary met me at work to sign papers without fully understanding what I was getting in to. I have attached my payment schedule. I supposedly borrowed {$80000.00} but only remember getting {$60000.00}. My total pay off will be {$140000.00}. This almost 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: OneMain Finance Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX Called my family and threatened to come to their work to serve me ( illegal ) its all recorded this person never called me, so I blocked My number and called the XXXX number- somehow she guessed it was me and new my last XXXX of my social. She said one main financial and that I defaulted On an XXXX XXXX  ( never ever did ) and then got hostile when I said Send verification of this debt to my address the said oh so you work for XXXX XXXX, Said no and she yelled oh hahha gotcha it is your debt, you used to work there and i said nope, verify its my debt, she then said she was going to send me to XXXX  and I said Ok send the sheriff and she said oh thats what youre getting youre getting a uniformed officer and hung up! Im also filing a police report for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: MI
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:
Unauthorized Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
The XXXX XXXX has been notified of the issue I'm having with the Doctor I've given them the info of dental board complaint case number that being said I told them I didn't receive all services by this doctor but this company hasn't closed this account yet give me a balance due of {$1200.00} now it magically jumped to {$1900.00} ... .instead they are riding out time so they can keep charging me even though they said they would but it on a hold so not to have recurring fee but they adding fees to a bill which they admitted I've paid the doctor off already..but this doctor didn't do what he was Ethically Required to do I have given this company all the information and all the complaintBut they continue to stall so that they can make late fees and add money to this account instead of closing it outMind you I closed the account out once I had trouble with the doctor which was right away

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15
Company: Experian Information Solutions 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:
I have previously reported to each of my creditors and to each of the credit reporting agencies that I have been the victim of identity theft and that certain creditors failed to conduct a reasonable investigation. Please see the attached documents authenticating my name change to XXXX XXXX XXXX. I have requested that each of the credit reporting agencies and creditors update all my financial records to reflect this change. 

Each are to deny any request for credit or information under the name XXXX XXXX XXXX and/or any derivative. I request for security reasons for XXXX XXXX XXXX and/or any derivative be removed from all credit reports. 

All notifications to include the Socail Security Administration, IRS, State Revenue and Tax Department, Law Enforcement and creditor notifications are being notified of this change at the time of this writing.

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 2022-12-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, Recently XXXX XXXX merged with Citizens Bank. After their merger my XXXX account has been over drafted for the 1st time in 2 years even though my account was set to not overpay what I don't have in my account. So no negative balance and overdraft can happen. 

Now merged with Citizens Bank they purposely made me overdraft to collect that fee and something is fishy about the over all alignment of my deposit and what they say I had during that week and days of negative into overdraft. I tried to remedy with the bank before this point of an complaint and they dismissed me. 

Citizens Bank has been fined for doing this before : " Misappropriation of depositor funds In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and other federal regulators levied nearly {$35.00} million in penalties against Citizens Bank " for failing to credit to customers accounts the full amount of their deposits ''. The regulators declared that, from XXXX to XXXX, " The banks actions resulted in consumers being shorted millions of dollars ''. [ XXXX ] [ XXXX ] Joint action by the CFPB, the FDIC, and the Comptroller of the Currency determined that Citizens Bank had engaged in " deceptive practices '' by " fail [ ing ] to give customers their full deposits at times when the size of the deposit didnt match the number written on deposit slips '', despite promising to correct such discrepancies, instead pocketing the difference. [ XXXX ] The bank was required to reimburse its customers for lost funds as well as pay roughly {$20.00} million in fines to the three agencies. [ XXXX ] The XXXX XXXX XXXXXXXX said that Citizens Bank 's misconduct " is appalling precisely because it is so basic '', demonstrating that " regulators like the Consumer Financial Protection Bureau are a necessary defense against a system prone to abuses ''. [ XXXX ] XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NJ
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 a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've been on the COVID XXXX forbearance plan for XXXX year getting ready to get off XX/XX/XXXX every 3 months I would talk to them about what it was going to be like when I got off and how it would affect my payments. After the first 6 months they told me that I would have to pay all the back payments split into XXXX equal payments and the original loan payment. Then at 9 months they told me no that's not true they just tack the money on to the end of the loan and business as usual you'll Play Your normal monthly mortgage payment and they will extend the terms out. Today they told me no I will have to pay lump sum {$15000.00} which is the total past due. Or I can do a loan modification which this is the first time I ever heard the word loan modification for a different interest rate. Never did I hear that they were going to change my interest rate which obviously is a much higher interest rate than XXXX then I currently hold. I would like them to keep the plan that they told me and just to start with my mortgage payment on the XXXX and business as usual

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have a XXXX  XXXX account on my credit report that says " charge off ''. The problem is, that before it was charged off I tried to see how I got this account ( I did not open it ) and I tried to pay it off to resolve the issue, but they could never find my information in the system to allow me to pay it off. Whenever I call up there to remedy this and pay it off so it comes off my credit report they can not find the account and Im unable to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: GA
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 am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: MD
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing to file a formal complaint over the changing of the terms of my loan following Mr. Cooper purchasing the loan in XX/XX/2022. My loan was serviced by XXXX XXXX almost 2 years until XX/XX/2022. In XXXX of 2022 XXXX XXXX removed PMI from my loan. When I received the escrow analysis completed by XXXX XXXX in XX/XX/2022, I called to inquire, and they stated to me that PMI was being removed due to the loan/value ratio and the substantial appreciation during the pandemic. 

When Mr. Cooper purchased my loan, I called in XX/XX/2022 and spoke to a Mr. Cooper representative and was informed verbally that there would be no PMI on the loan. It has recently been verified for me by a Mr. Cooper representative that there are internal notes documenting that conversation. I recently learned that Mr. Cooper staff later changed their minds and decided to add PMI back to my loan in XX/XX/2022. I have been charged 12 payments of PMI since XX/XX/2022 out of my escrow account. 

This changing of the terms of my loan after it was purchased is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: GA
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:
Account name : XXXX  ACCOUNT NUMBER, XXXX XXXX, 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 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 seven 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 explanation
Consumer complaint received 2023-07-19
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX Credit Card Services closed my credit card account without my consent in XX/XX/2023. I called the company to explain that I did not consent to closing my account due to 'inactivity ', but they stated it was their policy and there was 'nothing I could do about reopening the account. ' This is an adverse action that I did not authorize, and according to 26 CFR 1026.13, this is unauthorized use if my credit card.

Company response to consumer: Closed with explanation