BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I spoke with Santander about a hardship to move a payment towards the end of my loan. I went through the process where I then signed documents stating as of XX/XX/XXXX that my next payment would not be until XX/XX/XXXX. The whole time Santander started reporting from XX/XX/XXXX that my account was past due and I had not paid, which was inaccurate. I contacted them at the beginning of XX/XX/XXXX because I had received a phone call stating I was past due when I knew I had just signed paperwork due to my hardship. I went back and forth almost daily with the company about their error in reporting and how I had legal documentation with them about my next payment not being until XX/XX/XXXX. It continued to drag out and ultimately the company told me they were unwilling to honor documents that were already signed and stated that my account was past due. They have been reporting that I am past due even though I have made the payments to catch up, despite the contract I had signed and then they completely quit reporting on my credit report as of may. And falsely reported late payments all the way up until XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 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 XXXX, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states 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. I have also been effected by the XXXX XXXX XXXX and have filed a complaint as well.

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 2023-10-15
Company: Harris & Harris, Ltd.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contacted them and ask them to show proof of debt was never provided with any thing and now I have negative reports on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, when I opened the HSBC US mobile app, I received the error message XXXX upon logging in. I then called HSBC US customer service and was informed that my account was locked, but no reason was provided for the lock. I also attempted to communicate with HSBC US XXXX department regarding the situation, but again, no reasons were given ; I was simply told to wait. It has now been over a month, and my account is still inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Trott Law, P.C.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
asked for debt validation and what gives an attorney pc to act as a debt collector here in michigan, as attorney can not act as debt collector, per michigan law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Global Lending Services LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am reaching out to formally register another complaint against Global Lending Services LLC due to the harassment and maltreatment I've experienced, particularly since XX/XX/XXXX, following my submission of a complaint to the Consumer Financial Protection Bureau ( CFPB ). The activities of your company, I believe, breach Section 1006.14 ( a ), which enforces the Fair Debt Collection Practices Act ( FDCPA ) section 806 ( 15 U.S.C. 1692d ). 

After being granted approval for a skip payment, Global Lending Services LLC misrepresented the skip loan, which led to an unjustified past-due notification on my credit report. Such misrepresentation has negatively impacted my credit score. Furthermore, my access to the online portal has been unjustifiably deactivated despite my active loan status with your company. It's important to note that since the initiation of our loan agreement, all car payment installments have been made in full and in good faith. 

Section 1006.14 ( a ) clearly prohibits a debt collector from any conduct whose " natural consequence is to harass, oppress, or abuse any person in connection with the collection of a debt. '' The actions of Global Lending Services LLC, as I have experienced them, fit within this prohibited description.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting 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 was called from the Capital One fraud department on Saturday XXXX saying that someone was opening a credit card/account in my name. I told them it was not me, and they closed the application stating as 'fraudulent '. 

On the same day XXXX XXXX XXXX, I placed a 1-year fraud alert on my credit report through XXXX. When I saw my credit report I noticed that on XXXX a company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) did a 'CONSUMER REPORT VIEWS/SOFT INQUIRIES '. 

I do not recognize XXXX XXXX XXXX. I believe this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
today on XX/XX/2023 I contacted XXXX about a fraud account on my XXXX credit file. I informed them I sent in the ftc id theft report to have the account removed. the representative informed me he will initiate a dispute today ( XX/XX/2023 ) but failed to provide a confirmation number. I log into my XXXX  account and I also do not see the raised dispute for today 's date on there. this also happened the previous week. XXXX is being deceptive and i do not like that.

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 2023-10-16
Company: Kikoff Inc.
State: PA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Kickoff is supposed to help build your credit. My score went up the first week when I applied and havent benefited me since. I closed my account and they put it on my credit report also without giving me back what I put in to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLUMBIA DEBT RECOVER LLC DBA GENESIS contacted me about an account that I never own charging me the amount of {$2400.00} from an ORIGINAL CREDITOR named XXXX XXXX, I disputed the account placed on my credit on XX/XX/XXXX of this year XXXX and the collection company is asking me for a series of documents including this complaint and now I'm getting the documents to sent everything to them. 
its important to add to this complaint that I have been living in XXXX since XXXX and I was living in XXXX before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: VA
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 explanation
Consumer complaint received 2023-10-16
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a XXXX XXXX XXXX' member with Amazon for a number of years and applied and received an Amazon CC through Synchrony bank. I have noticed that when I have used the Amazon CC to pay for a product and subsequently returned that item to Amazon and requested that my original payment form be credited, that instead of crediting the Synchrony CC account, Amazon instead issues a credit that can be applied to future purchases. 

While they do honor this credit, until I do use the credit for a purchase, I have essentially given Amazon ( a multi-national, multi-billion dollar company ) a de facto interest free loan. Not only that, if I carry a balance from month to month, I would have been paying interest on a loan that I was forced to give to a multi-billion dollar corporation. 

While I have filed a singular complaint, there are probably millions of people that experience the same without giving it a second thought. I would think that this type of transaction is unethical and I can not think of a scenario where it would be legal.

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 2023-10-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Mortgage ( Fifth Third bank ) company reported a 30 day late on my credit report for month of XX/XX/ in XX/XX/XXXX XXXX  before the 30 days. 

I was dealing with a medical emergency out of country and told them Id make the payment. It was on auto pay but apparently it didnt get set up through their system. I was also in process of buying a home and this issue on my credit came up and prevented me from being able to close on purchase which led to me losing money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bought a printer from XXXX and when I opened it, it was used. I went back to XXXX to request replacement, was refused then I asked for my money back and was refused too. Merchant is no cooperating. I contacted my financial institution, JPMorgan Chase to dispute charge, I explained but representative said " no '', and was hunged up. 

XX/XX/2023 {$260.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumer Adjustment Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
5 months ago I filed to be reimbursed for payments I made during XXXX. XXXX reimbursed me for payments made to them but since Fedloan is out of service, no idea where my check is from them? I've contacted Dept of Treasure, Dept of Education, Financial Aid at my school. My student loan balance has gone up. So where is this check? Who do I contact??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX - sent USPS money order by priority mail ( tracked & insured ) to arrive by XX/XX/XXXXXXXX  to : Capital One Attn : Payment processing XXXX XXXX XXXX XXXX, NC XXXX. The payment was not overnight rush. USPS shows being received on XX/XX/XXXXXXXX  at that post office box. 

Capital One representative said that Capital one was not the only business to receive mail at that box number, the representative said to mail it to the overnight address - Capital one attn : Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

The previous month, the payment was sent early in the month to the XXXX XXXX XXXX and was not recorded as payment until the end of the month. I was charged {$25.00} for that month for late payment. I also had to pay an extra payment because it took 3 weeks for Capital One to recognize payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-08-09
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: 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY EXPERIAN PROFILE XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 explanation
Consumer complaint received 2023-10-17
Company: Consumer Adjustment Company Incorporated
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report on XXXX XXXX  and have a new collection for 4 {$4000.00} from a collection agency named consumer adj Co on behalf of XXXX. While I took out a pay day advance loan from XXXX in the past, it was paid and for about {$300.00}. There is no way I owe then {$4000.00} and this made my credit go down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My family has had long term financial hardship due to XXXX. XXXX XXXX advised that they can not waive late fees that have already been paid. This is completely unethical because when you go to make a payment online it looks like I have to pay the fee to avoid being reported late on my mortgage. It seems to me they set up the system this way so they dont have to waive fees. This is completely unfair and violates XXXX regulations. I am asking for help in getting these fees waived so we can continue to live in our home. I received a late fee XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. The response that they cant wait the fee if its been paid is completely unethical and they should not be allowed to cheat customers this way. The only reason why the late fees were paid because they make it appear that I didnt have a choice or my payment would be reported late to the credit agencies. I am just asking for the ridiculous XXXX fees to be waived. This fee is absorbent and completely unfair.

Company response to consumer: Closed with explanation