BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Resurgent Capital Services L.P.
State: TX
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: Was not notified of investigation status or results

Complaint:
I recently requested an investigation into lvnv funding being reported on my credit report and requested an investigation and the removal of this account from my report. I did not receive a hard copy of the application documents with my signature as requested upon completion of the investigation nor an updated copy of my credit report and it is also listed as a collection being reported with a balance. According to 15 USC 1692 this company should not have any of my information and are violating my rights. They are reporting inaccurate information and can not provide me with the hard copy of any documents with my signature. I would like this to be removed once again and let this be the last time that i have to file a complaint. It is also past 30 days that this request was submitted and i have a right to request that it be removed permanently. 
Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
XX/XX/XXXX {$350.00} I received a outstating debt collection notice in XXXX of XXXX for the months of XXXX and XXXX on my Toyota XXXX for which I had made payment on my car note. I missed the XXXX payment after losing my job. Foreseeing a fraudulent repocession I contacted the local police showed them my payment receipts and debt collection slip. I was previously told by Toyota Financial that I didn't have to call for extensions the missed payment would just be added to the end of the payment schedule ending in XXXX. I had previously made two payments in one month on various occasions On XX/XX/XXXX I woke up after starting a new job and my car was missing. I immediately called the police who informed my that my car had been repoed and provided a repocession notice. I then on XX/XX/XXXX called toyota financial and was told that I had to pay either the remaining balance or over {$1000.00} to get my car back. I never received any other notices after the notice for the months that I made the payments. I received the fraud notice the same day I made a payment of {$400.00} ( my payment is {$350.00} ). I was also told that my car would be auctioned off by XX/XX/XXXX if I did not make the demanded payment. Leaving no time to get money to make any type of payment. I still have my payment receipts as well as the repo notice. 
I have tried to Upload the Receipts and Repo Notice but have not been able to... I have video of me attempting to do so...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Pay pal has held funds without my authorization in violation of the Electronic Funds Act. I sold United States Gold under the Mines and minerals act of XXXX. Paypal, has held funds for two buyers in the same name of XXXX under my account. I have not received payment for gold sent to : XXXX XXXX and XXXX XXXX. Paypal and XXXX both elected not to file seller protection claims. Paypal and XXXX wrongful action is recorded in a telephone conversation on XX/XX/XXXX. 

Transaction details Print XXXX payment received from XXXX XXXX XX/XX/XXXX at XXXX XXXX PDTTransaction ID : XXXX Payment Status : ON HOLDShipping Status : SHIPPED Payment Type : Mobile Payment Amount on hold {$81.00} USD Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, KS XXXX United States XXXX Confirmed Add tracking infoPrint packing slip Seller protection Eligible Eligible when you ... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Follow the requirements for seller protection. 
Track your shipment XXXX XX/XX/XXXX at XXXX XXXX  PDT Sent by USPS Edit tracking info Transaction Activity Details Gross amount Fee amount Net amount XX/XX/XXXX Temporary Hold Details - {$78.00} USD {$0.00} USD - {$78.00} USD Order details Quantity Price Subtotal Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ten-ounce Coin 1 {$81.00} USD {$81.00} USD Purchase Total {$81.00} USD Payment details Purchase Total {$81.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$81.00} USD PayPal Fee- {$2.00} USD Net Amount {$78.00} USD Reversals - Please be aware that this payment can still be reversed ( e.g. if it is subject to a chargeback ), even after you have sent the item ( s ) to your buyer. Complying with PayPals Seller Protection and following the trading guidelines on our Security page helps to protect you from things like chargebacks. 

Paid by XXXX XXXX ( XXXX ) The sender of this payment is Verified Payment Sent XXXX CustomXXXX  Need to contact the buyer? 
Log in to your XXXX account and go to order details. 

XXXX XXXX XXXX XXXX XXXX PayPal. All rights reserved.PrivacyLegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A charge off/canceled debt can not be reported on a consumer report because the IRS considers it as a certificate of indebtness, in other words income. Income was never allowed to be on any consumer report and if it is, it violates the fair credit reporting act. As you can see it is inaccurate. I demand that these accounts are removed immediately. XXXXXXXX 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 2022-11-17
Company: Experian Information Solutions Inc.
State: NM
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:
In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ; THIS LOAN WAS A RESULT OF FRAUD AND SCHOOL MISCONDUCT.

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 2023-11-10
Company: Affirm Holdings, Inc
State: MA
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: Investigation took more than 30 days

Complaint:
After disputing a charge, I was informed that I didn't have to make any payments while the issue was being resolved. However, they failed to initiate the dispute process and subsequently reported me as being late. 
This failure in carrying out the dispute process has had detrimental effects on my financial standing.

Despite my compliance with the initial advice, I have been unjustly reported for late payment. The company 's negligence has not only inconvenienced me, but it has also potentially compromised my credit score. It is imperative that this issue is rectified immediately and measures are taken to ensure such errors do not recur in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-31
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet indicated that my payment was past due ( XX/XX/XXXX ), even though I have auto payments set up. Fearing that I missed a payment and then would retain my auto-payment discount they offered I proceeded to submit a manual payment ( XX/XX/XXXX ). I called them the next day ( XX/XX/XXXX ) ; they explained that they had an issue with auto-payment, but that it would backdate once the payment went through. 

I requested they then delete my manual payment. They confirmed they would. The payment still went through. I called again XX/XX/XXXX and they told me they could not do anything and when they transferred me they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I submitted a complaint on XXXX XXXX on SYNCHRONY BANK/XXXX  XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. Synchrony Bank provided a letter stating that SYNCHRONY BANK did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on 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 2022-11-17
Company: JPMORGAN CHASE & CO.
State: DE
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 applied for Amazon credit card provided by chase bank on XX/XX/2022. They rejected my application initially due to lack of supporting documents which I was asked to fax them on the follow up call. After a number of call exchanges and a number of rejections sent my way I was send a card issued on my name by the end of XXXX, XXXX. But to my surprise, there was a XXXX  hard hit on my credit report for the same card which I was never informed about nor I consented for. Upon receiving my card I did ask them about the XXXX hit and they said it is normal procedure and it is correct. They did ask me to call the reporting agency instead i.e. XXXX. The second hit was dated XX/XX/2022 which was the date of my first follow up call. But on that call the representative never asked for my consent to make another hard enquiry nor informed me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CCF Intermediate Holdings LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
American Express Savings blocked me from accessing my account by disabling my ID without any prior notification. When trying to login to my American Express Savings account which I've had for XXXX years, I got a notification that my ID no longer existed, and I was unable to access my account. When I called customer service, they informed me that they had blocked my access in violation of their terms of service which state that " You may access our website at any time at go/amex/savingshome. If you have enrolled if you have enrolled in online banking and established a User ID and password. '' Only after spending hours on the phone with several processors did they determine that I was indeed never sent any notifications because I get my statements in paper format, and that they were trying to extract additional personal information from me so that they could link my credit cards to my savings accounts. I was eventually informed that they hadn't XXXX my ID or Account, they had just hidden access to it behind a new URL that again was not documented ( and still is not ) in their Terms of Service. 

This appears to be an attempt by American Express Savings to prevent customers from withdrawing their funds while banks everywhere are struggling with customers leaving for better rates elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Other problem

Complaint:
On XX/XX/2022 I sent Barclays two {$1000.00} money orders to pay off my card. These transactions are both posted in my account. On XX/XX/2022 Barclays posted a {$1000.00} charge on my card. I noticed this charge 2 weeks later and called customer service. After an hour and a half I hung up as they insisted this was a convenience check I had cashed ( I have never used these checks in my life ). 2 months later after a 2 hour call they finally acknowledged that it was an automatic charge because the system thought my two money orders were a duplicate payment. The told me I would receive a check in the mail for the {$1000.00}. In XXXX I called them again - another 2 hours - to tell them I have never received a check and I requested the charge be removed. They told me they would cancel that check and send me a new one. I was very unhappy about this solution. I waited 4 months until the end of XXXX and just phoned them again on XX/XX/XXXX. During this call I was initially told that I had cashed the check they sent me and I definitely had not gotten a check. After a half hour they acknowledged I never received a check and that they would cancel they one they already sent and issue a new check. I asked customer service to outline this case to me so I could write everything down. They told me our second interaction in XXXX involved fraud ( it did not ) and I asked them to detail to me what this meant. Then customer service person hung up on me. I pay my card off every month ( and have for 30 years ), and this XXXX has been sitting on my card for 7 months accruing about XXXX $ + interest. The company refuses to remove the charge OR the interest. I hope you can help, I am at my wits end. Im a XXXX XXXX XXXX with a great credit score that Ive spent 30 years building.

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 2023-03-20
Company: LendingPoint Holdings LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2023 I requested a payoff amount and submitted the amount provided electronically the same day ( within minutes ) to pay the loan off in full. Several hours later, the payoff amount/payment was posted to my account, and the payoff was short by {$4.00}. I called and requested a reason as to why the payoff was not provided correctly. I was informed there was some kind of system error that did not calculate the accrued interest for the XXXX, even though I had requested the payoff on the same day. I was informed due to the error, they would have the balance waived, and the process would take 5-7 days. After 10 days, and interest still continuing to accrue on the remaining balance, I called again on XX/XX/2023 to inquire as to why the remaining balance had not been taken care of as stated it would on the XXXX. I was informed the balance was only {$4.00} and I could pay the remaining balance off over the phone. I had to go back through what happened again. I was placed on hold ( as I was the first time on the XXXX ), and was told they would escalate the issue again. I'm concerned this company is harming other customers by not providing accurate payoff quotes, leaving consumers short on payoffs, and additional interest accruing on the accounts, making it harder for customers to get accounts paid off and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Continental Finance Company, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On closing date of XX/XX/XXXX the XXXX Credit card company billing statement shown I had a {$350.00} balance. This was after thorough investigation about disputed items. I called about the timing of the actions which was related by XXXX XXXX, the XXXX XXXX XXXX of customer experience in her response to my former complaint. I have not used the card since XXXX of XXXX and the card balances have been going up instead of depleting. I have been paying on the card since XX/XX/XXXX and dont see how its balance over {$500.00}.

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 2022-11-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a credit card from XXXX XXXX  
Once I had access to XXXX XXXX on line ( your XXXX from TransUnion ), I saw that Trans Union reported that I filed a XXXX on XX/XX/XXXX. That is not correct. 
I just checked ; it still shows that. 

I did file one in XX/XX/XXXX, which shows correctly on my Trans Union credit profile. 
But date provided to XXXX XXXX is wrong. 

I contacted Trans Union twice, language barrier was tremendous. How am I supposed to discuss matters as serious as credit report with someone who has no idea what I'm talking about!! How are these companies allowed to do that? Trans Union did nothing to help me. 

Trans Union reference number provided by XXXX XXXX is : 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 2018-11-04
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a letter from First National Collection Bureau , Inc on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and FNCB. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call FNCB to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.

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