BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
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:
On XX/XX/XXXX I realized that I had paid my last 2 car lease payments through my debit account to Chrysler Capital instead of XXXX XXXX. Once I contacted Chrysler they asked that send via fax copies of my bank statements proving that the payments were taken out of my debit account and sent to them. I faxed them the next day showing that 2 payments were made in the amount of {$360.00} on XX/XX/XXXX and XXXX XXXX of 2017. I contacted Chrysler a few days later to make sure they received my faxed information and they said they did and that I would be receiving my payments within 30 days but after speaking to a supervisor they would try to expedite the refund. On XX/XX/XXXX I contacted Chrysler again seeing the status of the expedited refund, still no information other than Id be receiving it around XXXX XXXX, 2017. I again asked to speak to a supervisor begging that they expedite this process and get me back my 2 refunded payments in the amount of {$730.00}. On XX/XX/XXXX I contacted again to see if the process had been expedited and there was no further information other than I would either be receiving a XXXX Gift Card or a check in the mail. I explained I did not want a XXXX Gift Card, I wanted the money deposited back into my debit account or a check. XX/XX/XXXX I contacted Chrysler again because I did not receive a check or gift card on the day as promised. I spoke with a supervisor again and he informed me that the XXXX Gift Card was sent out that day. Today is XX/XX/XXXX and I still do not have a XXXX gift card. The supervisor told me that I was to receive a XXXX Gift card since the refund was under {$500.00}. I expressed that the refund should be in the amount of {$730.00} because it was 2 payments that Chrysler accepted after my lease was up! The supervisor said they only had notes of 1 payment. I explained that that was incorrect and that I had faxed all documents needed to expedite the process for my full refund. The supervisor said hewould send the message along to the finance department and they would be contacting me within 24-48 hours. Well it has been the 48 hours and still nothing, no refund, no call, no XX/XX/XXXX Gift Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So, on XX/XX/2022, I mailed letters to Equifax, XXXX, and XXXX. Here are my tracking numbers for removing personal data from my credit report : XXXX, XXXX, and XXXX. I have a right to privacy under the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. Additionally, no financial institution is permitted by [ 15 U.S.C. 6802 ] to disclose my information to unaffiliated third parties. 

My rights as a customer are being violated in plain sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2018 at XXXX I contacted Wells Fargo to revoke authorization of debits for the company XXXX XXXX XXXX because they didnt disclose all of the hidden fees with me. A Wells Fargo representative acted as if he was filing a claim and gave me a made up confirmation number. Well on today when I checked my account the company XXXX XXXX XXXX had debited XXXX once again after I submitted a letter to the company and after speaking with a Customer service at Wells Fargo.i spoke with the bank again today they apologize and submitted a claim for real this time but now Im without my money because of an employee who I trusted at Wells Fargo.

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 2019-01-27
Company: Experian Information Solutions Inc.
State: FL
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:
This is my 3rd attempt to get the following inquiries removed. As they were NOT a FIRM OFFER OF CREDIT, EMPLOYMENT, FOR INSURANCE OR A COURT ORDER. THEREFORE UNDER THE LAW, these inquiries NEED to be deleted : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX AGAIN, the above inquiries NEED TO BE DELETED because they are NOT A FIRM OFFER OF CREDIT, COURT ORDER, INSURANCE OR FOR EMPLOYMENT

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 2019-01-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. XXXX : XXXX ... I've recently disputed this debt multiple times from Midland Funding ... they are not the original creditor ... the account was closed and they bought the debt from the original creditor ... I need validation that I owe this debt ... My signature is not on any contract with them ... My rights have been violated under the Fair credit reporting act ... as well as UCC 1-308 ... every time I dispute this debt collector nothing get 's solved ... like the credit bureau 's and this agency is committing fraud against a name that isn't mines ... I have a Nationality ... XXXX XXXX ... I'm not the ALL CAPITAL LETTERS NAME on any paperwork ... I've stated this fact many times. Section 609 of the Fair Credit Reporting Act is suppose to protect me against agencies like this one. Why are my rights being violated and nothing is being done about it from the credit bureau 's or by second party agencies that I don't have a contract with?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.

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 2018-02-02
Company: PNC Bank N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX i received a phone call from XXXX XXXX credit card company that i have behind bills that I have to pay. Over the conversation, I found that somebody is using my identity from the advice from XXXX  XXXX card, I checked credit report and found that there were fraud accounts in my credit report. 
it was XXXX XXXX, XXXX XXXX and PNC bank. I got a police report and dispute all fraud accounts and also contact identity theft goverment. I sent all documentations what credit company asked for and it made them to concluded that it is fraudendent accounts from XXXX  XXXX and XXXX XXXX companies however I never received any answer from PNC bank and on XX/XX/XXXX, so received a phone call from collection agency regarding PNC bank account. I sent documentations that they requested therefore they made concluded that it is fraud account on their side on XX/XX/XXXX and it goes to PNC bank customer service. I contacted them since XX/XX/XXXX till today XX/XX/XXXX, but they never give me any answer or letter or any response therefore I sent police report to their company to proof that this fraudendent but they called me and said that with the police report and do legal action. 
so I am filing a complaint to solve this issue. 

date XX/XX/XXXX till now credit company name is PNC bank the amount is {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Recently me and my mother consolidated our loans and there was an agreement. Then I received a letter of litigation saying that they will move to wage garnishment if i dont make a payment. Although my loans are in forebearance for the next 6 months after talking to my mother and taking payments from my mothers account who isnt my original co-signer. Then Im already tied up financially with my federal loans with a wage garnishment already on my paychecks and this has been expressed to Navient and I am still getting hounded and have no idea what to do because after my bills I do not have enough to pay the monthly loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
No valid reason, all conflicting lies, no evidence to their hearsay. OPM credit restoration will seek the damages from Citibanks behavior. Written notices have no reason. Citibank is holding money for no reason other than that they have shown to me they hate XXXX XXXX people, called me XXXX XXXX, accuses me of fraud for filing the first dispute ever with them and their so called zero liability. Only zeros I saw was zero liability for Citibank. Conversion and Discrimination at its best, all you have to do is listen to the 40 plus hours of phones calls I made and hear the unorganized chaotic mess, lies, and retaliation the Citibank representatives bestowed upon me and my family. I still belive the actions one or two indivuals set the Company that I loved to one that I can not believe treated me like this. Attached are corespondence, still as nothing is wrong with my accounts. Notice the closure letter is XXXX and XXXX, whomever did this is the person responsible, they also werent brave enough to tell me because they know what they did is not right. I have to change my name because of uneducated racist individuals. Btw to all readers, The Bank is the Law. Nothing will happen from this report as it never does. But it does feel good being brave enough to speak the truth rather than hiding behind your office chair and messing with consumers lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I writing this letter because I think there should be a better option to modify my loan. I have paid my house for the last 23 years and I have 7 years left in my mortgage and this is the first time I ask for help because I was forced to retire and I am looking for a job that allows me to continue in a better situation. It is not fair that for this reason I see myself at risk of losing my home. The interest they are giving me is 8.5 % and they are beginning to 40 years. If they gave me the interest that is in the market 4.5 % my payment would go down and I could have a better quality of life. They offer me a 40 years mortgage with an 8.5 % interest rate, I am behind 2 payments. They offer me this option that is not good and they are taking advantage of this because it is the only option that they leave me. If they reduce the interest rate they can make my payment affordable and be able to stay at my house and no became homeless. 
I want to keep my house with affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Wells Fargo checking account in XX/XX/ 2017 under the terms " open a new wells fargo checking account, and have 3 consecutive months of direct deposits of $ 1500+ or more to receive a bonus of {$300.00}. I have had more than 3 consecutive months of direct deposits ( each over {$1500.00} ) but still have not received the bonus! Wells Fargo has told me to wait 45 days after completing terms for bonus. It has been 3 months since completing the bonus and still have not received the account opening bonus! Wells Fargo is not delivering the bonus they promised me when I opened my account. They are misleading and running a FALSE promotion!

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 2018-02-11
Company: EQUIFAX, INC.
State: WA
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:
XXXX, XXXX and Equifax are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX  to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an XXXX XXXX card wasnt working for a couple of months hired a company to pay my credit cards off to negotiate lower interest but they stop paying my card for about 4 or 6 months and that really affected me I had to clue the would do that. 
I would like the late fees removed from my credit since I was paying the other company on time. 

I also had synchrony bank card limit of XXXX or care credit same card the company I was paying to pay them off in lower interest didnt need pay them got 4 or 6 months and would like those late payments removed.

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 2021-04-01
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was charged by Ashley Furniture in XXXX New Hampshire twice for a single purchase. The charges were 3 months apart. The disputed charge is for {$4100.00} and occurred in XXXX of 2021. I filed a dispute with Synchrony XXXX of 2021 when I noticed the charge on my statement. I also spoke with the store manager XXXX XXXX XXXX the same day who instantly noticed the error. She told me that she issued a refund for the charge and that I was still owed another {$200.00} refund for their terrible service of the initial purchase. The refunds were never issued. My credit score fell XXXX points due to the amount of new debt being reported. 
I then filed a dispute with the bureaus to have the charge removed. XXXX then removed the entire account from my credit profile which caused my score to fall another XXXX points. Repeated calls to Synchrony result in nothing. They refuse to allow people to speak to their dispute team. 
To make matters worse, I received an email from Synchrony that said I had a new digital letter from them. The link to open it leads to nowhere. Synchrony can not say what the letter is on the phone as they claim to not have access to it. So I log into my account to see if I can find it there. I instantly get an error message saying my account can not be accessed online and to call their customer service, who literally can tell me nothing about that situation either.

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 2018-10-08
Company: FIRSTBANK PUERTO RICO
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: Account information incorrect

Complaint:
This is a car loan with First Bank of Puerto Rico. On XX/XX/2012 I paid the entire debt. The bank gave me the title of ownership of the Vehicle. On XX/XX/2018 The bank updates the information in my credit report indicating that there is a balance of {$1700.00}. This incorrect information adversely affects my score.

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 2018-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XXXX XXXX Card account was acquired by Capital One sometime inXX/XX/XXXX In XX/XX/XXXX XXXX  issued a large interest refund check to me for over-charging interest on my account balances, beginning in XX/XX/XXXX. Chase stated that my interest rate should have been prime + 5.99 %. I asked Capital One to investigate why I was currently being charged interest at a rate of 20.49 %. I have made all payments on time, and I have done nothing that would have allowed Capital One to subject me to higher interest rates than what I had with XXXX  at the time of the account acquisition. I initially contacted XXXX XXXX XXXX, at Capital One 's headquarters in XXXX, Virginia. He referred me down the line to individuals ( " XXXX  '', " XXXX  '', " XXXX '', XXXX XXXX, XXXX XXXX ) who repeatedly promised to review my account. It has been well over two months now and I have not received a substantive response to my request for an interest rate review and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 least a vehicle going back in XX/XX/XXXX They claim I had left a balance of {$550.00} and I requested documentations and I never received it I filed a dispute with trans union and with XXXX XXXX services to remove my derogatory Item on my credit report I requested document ations from them why they claim I owe them {$550.00} but with no success they never sent me out any documentation regarding that charge

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 2017-12-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

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 2019-01-27
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I are XXXX veterans on a fixed income. And, because we only get paid at the beginning of each month, that is when we sit down and pay our bills. By the end of the month, there's no more money until the next month. 

When we pay bills, especially if it is a credit card, we take the minimum due and round it up to the nearest 100 dollars like so : XX/XX/2019 ACH Transaction - Synchrony CHECK PYMT XXXX ACH Debit On XX/XX/2019 at XXXX XXXX, Synchrony ( XXXX ) called to collect on a debt. It was an automated call, so I hung up and called back to see who the call was coming from. So, I ignored the next four calls : XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX, then again XX/XX/XXXX at XXXX XXXX. 

After confirming payment went through the bank ( above ), I called them back at XXXX XXXX and after the automated system confirmed payment and that the next payment due was not until XX/XX/2019, I stayed on the line to speak with a human. I flustered the young man who took my call. So much so that he agreed no more phone calls, but I could not get anything else out of him, so I hung up on him. That call lasted 7 minutes and 36 seconds. They record all of their calls. I suggest you get a copy of the call. 

I informed the young man that if a company accepts payment - of which they are claiming was a partial payment of which I strongly disagree - whether it is the full amount or not, if the company accepts payment, they can not expect more money before the end of the billing period. The young man did not understand other than to agree to put a note on my account not to call again. 

But that is not the problem. My bill came in under {$200.00} and now they're wanting another {$380.00} BEFORE XX/XX/XXXX. However, the automated system is not asking for that amount until the due date of 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 explanation
Consumer complaint received 2018-10-08
Company: Nicholas Financial Inc.
State: NC
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:
I receive harassing phone calls from Nicholas Financials XXXX XXXX, NC branch. I have received today alone 10 calls from XXXX between the hours of XXXX and XXXX regarding my car note being 30 days past due. This is absolutely insane. The employee 's call but do not leave a voicemail.

Company response to consumer: Closed with explanation