BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
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 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 about 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 explanation
Consumer complaint received 2018-04-08
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2018 between my father and I we received 8 phone calls between XXXX-XXXX. 
No one was on the other end answering and no messages were left. If I didnt answer the phone they would call my dads personal number, if he didnt answer they would call his work phone number, then they would call me again. It was a never ending cycle for almost 3 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
The company reported information without prior authorization. The company also reported incorrect information about the account. The company claims the account was charged off and shows a balance and also states that I had late payments on two accounts. According to Consumer Law all information must be completely accurate. This company has caused me to be financially and emotionally stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2022-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was charged twice for the same transaction in error I contacted USAA and placed a dispute. I was told I needed to file the dispute form giving them permission to dispute the charge and provide a provisional credit to my account. This happened on XXXX XXXX. As of today I have not received my provisional credit and two of my bills came through in which I got a nsf fee. When I contacted them to find out why they told me after the 10 day waiting period I would get the fees credited to my account but meanwhile the two bills were not paid and sent back as nsf. When I asked what happened to my funds being placed back in my account within 24 hrs of my complaint so I would not have to have returned items they continued to tell me it takes 10 days..why would it take 10 days instead of 24 hrs..I asked for a manager they claim no one is available and I would get a call back meanwhile my creditors think I am bouncing payments when that is not trueI demand USAA be investigated for not doing their due diligence in providing a credit to my account to avoid the nsf fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Resurgent Capital Services L.P.
State: TX
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:
In accordance with the fair credit reporting act this creditor 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My father and I each get a random phone call from from a local phone number ( XXXX ) XXXX. My father answers his phone and the person on the other end says he's trying to contact me. He gives my father a call back number, ( XXXX ) XXXX. I call the number. The man who picks up says his name is XXXX XXXX, but he doesn't have a debt collector ID number. He says I owe a {$310.00} debt with U.S. Bank from the year 2010. He mentioned possible litigation if I don't resolve the issue immediately. He also had my name, date of birth, and last four digits of my social security number. I feel as though it was a fraudulent attempt to try and steal money from me.

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 2022-04-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-13
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am currently on hold to speak to a live agent with Nelnet. I called the customer service phone number XXXX at approximately XXXXXXXX XXXX  on Friday XXXX XXXX XXXX It is now over 2 hours on hold to speak to an agent and I still can not reach someone. 

I have screenshots taken as I am creating this complaint. I can not continue to wait for an agent to respond. I am unable to discuss my options with my servicer. I have added the screenshot, and I have call logs available upon request from my cellular phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 {$77.00} XX/XX/2021 {$27.00} paypal needs another class action lawsuit filed against them they knowingly and intentionally demanded money from my credit card compaines even after i informed them of the fraud sellers i have the usps involved in this becasue paypal supplied a fake tracking number my credit card compaines have agreed to back me up on this as well paypal chose to have arbitration take the case only to h ave their attorney manipulate the situation, i have all the emails which includes paypal makin a mockery of this apparently its funny to them because they continute to get by with doin what they do. after this i am filing a complaint with attorney general as well this needs to stop paypal needs to be held accountable for their actions as well as forcign people to open an account with them otherwise they sat you cant file dispute for their fraud sellers why would anyone wan na open an account with an unsafe website as that one they also offered to allow this to go to court but they dont wan na pay the fees for me to file a civil suit case for the amoutn of {$5000.00} i also believe they pay off arbitration or they have some kind of agreement with them so that paypal wins the case was closed per some rule 9 then it wen tpot fairshake again then backl to XXXX again and now its been nothing goin on in some time now,, please CFPB help in this matter id like to show the courts that ived done all i could but i am searching for more consumers to get a class action filed so any help there would be great and apprecaiated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: FL
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/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my US Bank checking account on XX/XX/23 using US Bank 's checking account bonus promo code ( XXXX ). The promotion stated that when you have made direct deposits totaling {$6000.00} or more within 90 days of opening the account, the account holder will receive a {$400.00} checking account bonus. I met the requirements by XX/XX/23, but as of XX/XX/23, I have not yet received the checking account bonus. 

I called the US Bank customer service representative today who said that she was unfamiliar with a checking account bonus and proceeded to transfer me to a closed department. This experience has left me feeling frustrated and concerned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I was in XXXX  training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.

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 monetary relief
Consumer complaint received 2023-02-22
Company: Collection at Law, Inc. A.P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hi, I used to have a payment plant that I couldn't continue with that lasted from XXXX for XXXX XXXX monthly payments. I attempted to settle with XXXX XXXX Attorney with no luck. I called XXXX XXXX Attorney 's office on XX/XX/XXXX XXXX XXXX, called back on XX/XX/XXXX, XX/XX/XXXX and there after three other times that I did not write down date or time. My work has now received wage garnishment summons without previously ever properly served or at my place of employment. This summons currently says I owe {$9600.00} plus {$35.00} sheriff 's fee. I am at a lost for words, can't sleep, I am stressing over this matter. This amount seems ridiculous as interests were 24.99 % and no minimum payment was ever going to help pay this credit card debt down. In one of my many phone calls I attempted to settle for different amounts starting @ {$3500.00} going all the way up to {$5500.00} which is more that half of this total amount. Please help. I've been hearing XXXX XXXX is defrauding so may people and just because they have money they continue to do so. i wage garnishment or XXXX knows how much or let alone pay XXXX XXXXXXXX in mostly interests on this fraudulent credit card going back to early XXXX, right before Covid-19. Covid-19 impacted many of our lives and including mine, by not working for the first few weeks of this start. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My husband and I are paying a substantial amount on a used vehicle. We are supposed to pay a monthly payment of {$570.00} dollars. We fell on hardship and called to see if we could lower our payments they said no they couldnt. Upon checking our lease agreement we noticed there is different numbers on our agreement versus our 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 2023-01-23
Company: FISERV INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage from XX/XX/XXXX was returned at some point between XX/XX/XXXX and XX/XX/XXXX. 

I received a XXXX from mortgage ( XXXX ) company stating the XX/XX/XXXX was returned on XX/XX/XXXX due to insufficient funds Originator tracer number XXXXXXXX XXXX XXXX. The XX/XX/XXXX payment was rejected due to insufficient funds. 

This return was never noted or credited to my account by Fiserv, XXXX XXXXXXXX XXXX XXXX XXXX Multiple claims were made with Fiserv to trace this money. I have yet to hear a result directly from Fiserv. Fiserve has claimed they recieved an amount of {$1400.00} at around this time but did not credit it to my account to show that. This is a human error that needs to be resolved. 

XXXX XXXX XXXXepartment sent XXXX letters in XXXX recognizing all transactions and returned the {$1400.00} directly to my account via direct deposit. So now missing mone. found i paid mortgage the right amount! 

XX/XX/XXXX. Fiserv started claiming I owe $ {$1400.00}. I have requested written communication mailed to my house about this so i can take it to XXXX  and XXXX but have not recieved anything in mail. Someone claims to have spoken to me and sent out documentation but i dont know how and where it was sent. It wasnt to me. 

The {$1400.00} that i owe them was recieved by Fiserv on XXXX and not credited to my account. They admitted receiving.

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 2023-01-23
Company: SYNCHRONY FINANCIAL
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:
I am requesting the {$92.00} on my Amazon Account. You closed my account, because of the bank 's mistake and there were returned checks. I was not aware that the bill pay feature was still being applied to my Amazon Account.

Why should I have to research my bank records to prove the {$92.00} credit on my account? You know that there is a credit on a closed account. Your representative stated that it would be refunded in 30 days. It has been over 90 days. 

I am requesting my credit immediately plus interested, and {$25.00} per month penalties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT ED/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this 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 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have XXXX hard inquiries that were all unauthorized. 

XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX Capital One Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Made a purchase through an online merchant and decided to use my PayPal account for the secure purchase. I made a purchase in the {$180.00} on XX/XX/2022 ( Transaction XXXX ) The item was shipped XXXX priority mail tracking # ( XXXX ) to the correct address, but I was on vacation when the item arrived. The XXXX returned the item on XX/XX/2022 based on the not being able to be hold any longer ( 15 days ) and needs to be returned to sender. I opened a claim with PayPal to preserve my dispute rights. Paypal closed the claim because the merchant provided a XXXX priority mail tracking # ( XXXX ). This tracking number is associated to a purchase I made through PayPal on XXXX in the amount of {$90.00} ( XXXX XXXX ). 

I have attempted multiple times through the PayPal online dispute process. There is no way to re-dispute a case. I was told since the case was closed there was nothing PayPal could do on my behalf and the phone agent offered me {$100.00} to use on my next transaction. I feel this act violated my rights as a consumer. It's out my control the merchant provided the wrong tracking information for a different transaction than I'm disputing. 

In addition, I provided jpeg images that support my claim to PayPal. The case dispute with PayPal XXXX XXXX XXXX out if I can provide any further information.

Company response to consumer: Closed with monetary relief