BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We purchased our car on XX/XX/2023 at US Auto Sales in XXXX South Carolina. We made two initial down payments. One was for {$38.00} and the other was for {$500.00}. We then traded in our previous vehicle which took 3 months for the previous lien holder to receive payment. We also purchased warranty coverage with our vehicle. We received no formal notice of our account being transferred. Just an email from the new company that was taking over the loans. After checking our account we found out that none of our payments were being applied to the loan that was transferred to Westlake Portfolio ( who does not have a copy of a signed contract with the wet signature on file for themselves and I ), instead every part of our payment was being applied to interest only. When questioned about it the agents act like they didn't know what was going on and I got hung up on a few times. I also asked about the warranty coverage and was told that I just need to continue paying the amount that I agreed on with US Auto Sales as they will not be offering the warranty coverage and they did not have any proof of warranty for us but will continue charging us the full payment including warranty cost. When transferring our account to Westlake, US Auto Sales did not include the down payments or the previous payments that we paid to them for {$240.00} before they shut down. We are 5 months into our car purchase paying {$240.00} bi-weekly and the loan is reset to what it originally was when we purchased the vehicle. Westlake refuses to do anything about it and no one can give a straight answer. After doing research we also found that XXXX ( the warranty company ) spoke to WL in regards to the warranty and payment included in our service contract with no solution. The contract was breached when it was written with US Auto as we were told it was never funded even with us making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Social Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a XXXX mail account hacked in XXXX and they used this for an extensive, sophisticated identity theft in which, on XX/XX/XXXX, they hacked and attempted to hack all of my other accounts including investment accounts. They also attempted to take out dozens of loans and credit cards in my name. I immediately froze my credit with all of the agencies, changed my passwords, and set up all of the precautions I could think of. I immediately appealed accounts started in my name. This effort continued through the rest of XXXX and lingered through most of XXXX and I thought I had stopped and limited the damage, although I am still dealing with consequences. 

In XX/XX/XXXX, I found out that one of these accounts, at SoFi lending, was not appealed correctly in the fracas of XXXX. In the three months, they had reported a debt of {$10000.00} to a collection agency. I immediately requested a fraud packet from them, and completed it, including a full police report of the XXXX identity theft. 

It took them over a month to review this, which included not receiving the police report which had to be eventually resent by certified mail. They let me know last week that they have determined that the debt is in fact owed by me and they will not be classifying it as fraud. They have not been able to tell me why this is the case, nor the address or account or any details to whom the {$10000.00} was remitted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: PA
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 these accounts have violated my rights : 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-07-08
Company: SUNTRUST BANKS, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The final payment for the Auto loan was made to SunTrust Bank on XX/XX/XXXX. The payment was on time and they are reporting this as 30 days late ( 1st problem ). 

We have not received the title. I co-signed on the loan with my brother in law and he reached out to them on XX/XX/XXXX and the said they would send a copy of the title nothing was sent. 

I contact Sun Trust on XX/XX/XXXXand talked to customer service representative by the name of XXXX and he told me he could not access the account and provided me with the Dispute number for credit and that the DMV would have the title. 

On XXXX I spoke with XXXX XXXX and she has stated there is no late payment showing and that she would forward the back up to me. This will take about 30 days. She is showing the title with the DMV. 

XXXX - Contact the DMV and they are telling me that I can not get the title because Sun Trust has a lean on the title. 

XXXX - Called customer service on the title and spoke with XXXX, He said after the previous request there was no additional information sent to us. His notes show that they let the DMV know the title was clear and they were not able to re-submit information to the DMV. He resubmitted a request to send documentation to us. 

This loan was paid in full under the terms and we are not able to get a copy of the title. Additionally, I want to ensure that any and all notice to the credit agency state we are late in paying are corrected. They have mine as showing 30 days late on the final payment and my Brother in law is showing paid on time. 

Thank you for your assistance.

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 2023-06-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions. 

Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX to DELETE these Nelnet accounts on my credit report at XXXX IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am aware that I am a victim of identity theft, I have reviewed my consumer report through XXXX and noticed there are companies I am not familiar with, reporting information to my consumer report which I am requesting to be blocked, as I am not responsible for this account. I will be providing all of the required documents to ensure this block can be executed immediately. 
The Accounts I am requested to be blocked are : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-10-17
Company: DISCOVER BANK
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a Discover customer for XXXX years. Each month, I wait for my statement to come out and pay off the statement balance by the payment deadline to avoid accruing interest. 

I've been receiving emails and promotions from discover, offering 0 % balance transfer for 12 months. In XXXX of XXXX, I accepted a balance transfer offer for {$2500.00} plus an admin fee to clear another credit card. It posted to my account. Next, my statement published, showing a {$5100.00} statement balance, of which {$2500.00} is identified as being at 0 % interest through XX/XX/XXXX. Before the due date deadline, I paid {$2700.00}, reducing the remaining statement amount to about {$2300.00}. In other words, I reduced the remaining balance to an amount less than the balance protected at 0 %. 

On my most recent statement, I received a {$33.00} interest charge. I chatted with discover and was advised that this is due to interest accruing because I have a " revolving balance ''. I asked the representative to tell me how much I need to pay on the most recent statement to avoid accruing interest on my next statement and was told, more or less, because I have a balance transfer offer, that there is no way to avoid accruing interest on recurring purchases. 
I think this is the epitome of unfair and deceptive acts and practices, as there is effectively no way avoid accruing interest after taking a 0 % balance transfer offer from discover, besides ceasing to use the card for any other purchase in addition to the balance transfer offer. Not all credit card companies handle balance transfers this way, and I don't think discover has always handled them this way either. 
I will cease using this card for recurring purchases. I hope the CFPB can help further regulate this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: DISCOVER BANK
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Discover credit card, wouldn't understand the death of a family member on XX/XX/XXXX, because of XXXX about what this bank put XXXX XXXX thru, last 5 years I'm his cousin XXXX XXXX and was told. We in the family can not and I'll repeat again " we can not not pay off his scam account off of XXXX I'm not repeating this again in 2023 to any bank or business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
About a year ago but less than a year ago, my flight with XXXX was cancelled and I received a credit for it almost immediately ( it was a XXXX credit allowing me to book another flight ). That credit is valid for 12 months. About 6 months ago a tried to use that credit to book another flight with XXXX but the XXXX routed my from one customer rep to anther to another and yet to another who finally dripped the call without allowing me to redeem the credit. I was discussed by this experience and a waist of 1.5 hours on the phone but hoped for the best knowing i have another 6 months to get this done since i had it in writing that the credit was issued. I tried twice more over the last 2-3 months with similar result. When i contacted TD bank who issued my prepaid credit card i used to purchase to issue a charge back i received a generic response that " no errors were found with XXXX ''. I when i further inquired about logic behind this unexpected response i was told ( but they would not say in writing ) that my claim was more then 60 days from the transaction ( the original purchase of the ticket ). I did explain all of the circumstances as i did here, in a fax i sent to TD bank, that i had no reason to ask for charge back as i was issued a credit for the cancelled flight and the credit wqs supposed to be good for 12 months. Only later i realized XXXX uses this tactic not to pay back what they owe. I'm requesting a {$210.00} form TD bank as i hold them responsible for not looking into this claim in a manner that would be consistent with bank where i keep my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. XXXX, Experian, and XXXX are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX Number XXXX Experian 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 2023-09-06
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX  XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: OH
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX is only reporting when I spend the balance on the card and not when I pay off the balance. I paid off the balance 2 times and it never went on my report instead they just kept over reporting that I was spending close to the limit of the card repeatedly in the XXXX of XXXX. As a result they removed XXXX points off of my good credit score. Just by rereporting what they already reported in the course of 1 month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My previous complaint on this same topic - XXXX. It takes SUNTRUST now TRUIST a month to process payments. In XX/XX/2021 I received a bill and made three payments to try and rectify the situation with n success. They still charged a late fee and interest. until I complained and got it reversed. They tried to blame me saying aI I used the wrong address. When that proved to be a bogus strategy they then blamed the post office. When I pointed out my previous complaint predated recent postal problems which they said started in XXXX they told me to drive to the branch and pay in person. 

For the month of XXXX, I received a bill for {$150.00} and paid on XX/XX/XXXX {$400.00}. The payment has still not been logged in. I suspect they are doing this to garner late fees and interest charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Altisource Portfolio Solutions, S.à r.l.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX is calling my parents house between 3-8 calls per day.

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 2023-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently checked my credit report and seen a credit card opened/closed from capital one in my name and {$540.00} is owed to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax continues to report a collections agency XXXX XXXX  on my consumer credit report when I have never done any business with this third part collection agency and this collection agency was never obtained authorization or consent to furnish or obtain my private source data. I sent certified request to Equifax as well as XXXX XXXX with no response. Ive filed several disputes acknowledging the federal violations and there still has been no response. Ive now filed a claim with the ftc for fraud. I never gave consent to either party to have or use my private source data

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23, an unauthorized withdrawal occurred on my Chime checking account in the amount of {$48.00}. 
On XX/XX/23, I contacted the bank to inform them of the fraud and they refused to explain the transaction. They also refused to remove it. 
I believe this bank is in violation of Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Im simply asking for my tradeline with capital one Walmart to report on my credit reports not showing and Im a user in this card and help with payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/23 at my restaurant my employee keyed in a transaction for XXXX in error. The correct amount was supposed to be for XXXX plus tip. The transaction was processed and the cardholder was assessed the charge for XXXX. The cardholder then disputed the transaction and was awarded the refund. The problem is the transaction fees that were paid to Elavon were not returned the the merchant ( XXXX XXXX XXXX of XXXX XXXX ) the fees totaled XXXX dollars for the month and shouldve been around XXXX dollars. When he reached out to Elavon they said they couldnt give him a refund because the money was already sent to visa and they would not be able to dispute despite the amount they were charged being incorrect.

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