BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I acquired this spotloan and was trying to pay it off early XXXX and was told I had to wait until my latest payment was processed on XXXX of {$150.00} in case I may be overcharged. 
I did pay {$400.00} which lowered my balance to {$280.00} The agent told me to wait until the {$150.00} payment on XXXX has cleared. 

I called again on XXXX-The agent told me to wait until the payment had cleared which it did.. 
{$150.00} was charged on XXXX I called back today and they told me I owed {$280.00}. That was not correct!!! 
Which should've lowered my balance {$130.00}. But it did not. Instead the supervisor said we will allow you to pay this off for {$200.00}. I told them this is not correct and told them I would be reporting them for fraud. Clearly they wanted me to wait to charge me more. 

3 payments of $ XXXX {$460.00} XXXX XXXX {$400.00} - came from my XXXX XXXX account XXXX below is my XXXX  accountancy made All payments= {$860.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX : XXXX ACH debit - {$150.00} {$200.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX  : XXXX ACH debit - {$150.00} {$390.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX XXXX XXXX ACH debit - {$150.00} {$350.00} XX/XX/XXXX WITHDRAWAL XX/XX/XXXX | See details of this withdrawal. 
XXXX. debit - {$800.00} {$6.00} XX/XX/XXXX VBS_Spotloan XXXX XXXX ID : XXXX ACH credit {$800.00} {$800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I purchased the car XX/XX/XXXX and at the time of purchase was sold a XXXX XXXX  lease vehicle protection plan for {$1200.00}. The dealer said that this would cover all wear and tear on the car including window repair, nicks, door dings and tire replacement. My last service was XX/XX/XXXX and I was told that a tire needed to be replaced as it was not repairable and they wanted to charge me for a new one and made no effort to contact XXXX, I declined. I turned my car back in to the dealership XX/XX/XXXX after paying my final lease payment. I spoke with multiple members of the XXXX XXXX " XXXX '' team in the weeks leading up to surrendering the vehicle. On every occasion I asked if I needed to get the tires replaced and was advised that I did not they were covered by the XXXX protection plan. The car was XXXX below miles, had no dings, scratches or wear and tear. I received my " final '' bill for the disposition fee of {$390.00} which I promptly paid. Now a month later they are calling multiple times a week during my work hours saying that I owe for a tire repair for a bill I never received and for a service that the dealer, the allegiance team and XXXX all told me was covered multiple times before I surrendered the car. They have not stopped harassing me and have cost me several hours of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03
Company: BROKER SOLUTIONS, INC.
State: GA
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:
New American Funding is continuing to share my information even after notifying them that I opt out of doing so. New American Funding and XXXX both share a mutual financial relationship due to XXXX making a profit off of the sell of my nonpublic financial information being supplied to them by New American Funding. Since this is my financial information they are sharing both were obligated by federal law to provide me with opt out notices in a timely manner to ensure I had the right to say no to my information not being shared. This breach of duty has caused me significant harm seeing that my information could have been potentially obtained by breaches. Furthermore I am entitled to some of the proceeds from the sell of my information as it is my nonpublic information and m name which is my intellectual property that you both are misusing and could face damages for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 non-monetary relief
Consumer complaint received 2023-09-16
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hi CFPB- I am trying to consolidate my XXXX and XXXX accounts as I have XXXX of both now after a couple of jobs and then the company changing their externally used sources for both. 
I have transferred my XXXX account money from Optum Bank to XXXX XXXX Account. I was surprised to see Optum charge me a {$20.00} fee to make the transfer. I have found XXXX and XXXX mostly make it very difficult to close accounts and consolidate. I am never doing it because I dislike the companies- it is just because it gets out of control having XXXX accounts separately and then they separately charge their own fees. 

Is it ok for Optum Bank XXXX to be charging a {$20.00} fee when I am just moving my funds from point a to point b?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Penn Credit Corporation
State: NY
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:
Penn credit Corporartion did NOT address my concerns. The did NOT send adequate verification of the alleged debt. They are in direct violation of my rights under the fair credit act. They must delete this erroneous account immediately. I have sent them proof of TAX return 2019, W2, paystubs, and a lease agreement in the persons name who apartment belonged to and they've done nothing to assist me in a resolution. They are not interested in hearing the facts. They did nothing to resolve this issue. I will seek legal action against Penn Credit corporation if they don't fix this matter right away. 

I have attached copies of all the documents sent to Penn credit corporation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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: Public record information inaccurate

Complaint:
I disputed an inaccurate Bankruptcy Judgement that is reporting from all 3 credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy Court XXXX XXXX XXXX Georgia, and Pacer stating they do not report to the credit bureaus. I mailed certified letters with all of this information to XXXX, Experian, & XXXX  two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy Court, & XXXX  are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX US Bankruptcy Court, & XXXX. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.

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 2023-06-14
Company: Nelnet, Inc.
State: FL
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:
Upon speaking to XXXX, my current student loan servicer, and the XXXX XXXX who confirmed the balances of my loans, and which servicer currently has them high, called Nelnet my prior student loan servicer and requested a refund of a loan payments on a loan that was closed and therefore not transferred to my current loan servicer XXXX. This triggered a supervisory escalation since the customer service representative was unfamiliar with how to handle this situation the customer service representative who was the pod leader XXXX informed me that nelnet has a informal internal policy to deny refunds to accounts that are closed and paid in full since they do not want to deal with the transfer to new servicers. I have made multiple voluntary payments after XX/XX/2020 that should be eligible for refunds towards this loan that is currently closed with Nelnet and due to a internal policy they are telling me that they can escalate it. However, it will be denied due to their policy of not refunding loans that are eligible for a refund simply because they are off the books. This was done on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Atlantic Recovery Solutions LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 - Received a call from Atlantic Recovery Solution at XXXX PM. They gave information out without verifying who they were speaking with. I continued the call regardless and asked to send a physical validation notice. They refused to send me one. 
XX/XX/2021 - I called back to Atlantic Recovery Solutions at XXXX PM to verify what address they had on file, they had the incorrect address so I asked them to update it and send me a physical validation letter. They refused again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to contact ED Financial for the entirety of XXXX and XX/XX/2023. The phone lines are constantly busy. On several occasions I have called exactly at XXXX AM, when the phone lines open, been told that the wait time is 10 minutes, and stuck in the queue for hours until I eventually give up and hang up. The call back option also does not work. I have been placed in the call back queue several times and have never been called back. I have sent several emails and no one responds. I am just trying to get my payments lowered. The website is difficult to navigate, and I have questions and I cant even get anybody from ED financial to respond!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting call after call after call from Portfolio Recovery, each time from a different number. I do not owe any debts. My home is paid for, my cars are paid for, and I pay off the balance on my credit every few weeks. I don't know what these scammers are trying to pull, but they have called my cell 15 times since XX/XX/XXXX, ( today is the XXXX ). 

I understand you already been ordered this company years ago to back off their scam tactics, but obviously, they have not listened. I would appreciate it if you would remind them, and stop them from harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: CA
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} CAPITAL BANK XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$340.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: JPMORGAN CHASE & CO.
State: NJ
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:
A payment was made with my credit card to a roofer merchant. 
The service was not provided and I have submitted clear proofs to that ( pictures and contract ). 
Chase has refused to look at the proof provided and has dismissed the dispute based on no reason. 
I demand a fair and honest process to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Professional Finance Company, 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: Account status incorrect

Complaint:
This debt has been paid in full to the original creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Idaho XXXX ) and should be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payment through my bank on XX/XX/2023 and my bank shows the funds were withdrawn on XX/XX/2023. Capitol One is holding my payment until XX/XX/2023 to ensure that the funds are not returned. If my bank released the funds and I did a bank to bank transfer no check required, why are they holding my funds? Do they make interest on my money that they are holding? Just curious how they can hold my funds hostage. Thank you for your help. Capitol One representative stated that once a relationship is established with my bank then they might not hold the funds for as long ; they will still hold my funds just for a shorter time period POSSIBLY. My bank is a national bank - I would think they have a relationship with Capitol One already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-03-22
Company: North State Acceptance, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX of XXXX NC financed my vehicle. My payment date is the XXXX of the month. You have 10 days to pay before a late fee is applied. I normally pay them with my 2nd paycheck before the late fee is applied. I am not behind on any payments. I am up-to-date & current w my payments. I work 8-5 Monday-Friday & i am not able to answer my phone. My voicemail states my availability. This company calls repeatedly. They leave messages but before I can respond they start to call me from unknown numbers & then they text. I become so frustrated and stressed that it deters me from responding bc by then my mental state is off from the constant random text messages and phone calls from unknown numbers. Just like many people i dont usually answer calls from unknown numbers. This company doesn't give you enough time before they begin to harass you. I have had this issue with them in the past and asked them not to text my phone. If they check my records of payments it's evident that I pay around the same time each month. This company harasses u and threatens to repo your vehicle before your 10 day penalty even comes. What can I do in this case?

Company response to consumer: Closed with explanation