BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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:
You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC XXXX XXXX for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When XXXX  confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when Santanders didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.

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 2020-08-26
Company: Select Management Resources, LLC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I took a title loan on my car last year I have not heard from them in a year in a half time no email no mail they came Sunday and repoed my XXXX. I'm out of work because of covid no money they wanted XXXX to get my XXXX   back I tried to work with them with no luck they kept saying I needed to have the money. it would have been nice if they would have contacted me they said they tried calling they read off the phone number it wasn't my number and I sent them that they took my real number and they said they tried calling they don't send emails they don't send anything in the mail but all the sudden I got a letter in the mail stating that my car was picked up.

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 2022-10-05
Company: AMERICAN EXPRESS COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I opened a dispute for a mis-delivered item, XXXX XXXX XXXX XXXX XXXX The merchant blamed the shipper, and the credit card company American Express blamed me for not receiving a product that I ordered. I was charged {$1900.00} for a product that was never delivered. American Express refused to resolve this issue, and charged me for an item that was never delivered. 

Dispute reference no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: AZ
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 called XXXX ext XXXX. I spoke with XXXX in the Department for garnishments. I advised here that the I never received any correspondence regarding it being closed. I was advised that XXXX was not included on the Judgement. Apparently there was an arbitrary charge form the apartment complex of over 2000.00. I asked how is the judgment line showing the entire balance when a little over 1400.00 was the amount I was ordered to pay. When I was initially contacted by the collection agency, I placed on notice and filed a CFPB complaint ( circa XX/XX/2015 ) asking for a itemized report of the additional charges after judgement was granted. 30 days has since past ( two years ) and never was validated. I have agreed to pay the XXXX ( court cost ) to close the judgement but will not pay the arbitrary charges post judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: PNC Bank N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good afternoon, I opened a checking account at PNC Bank XX/XX/2018. I used my credit card to charge a required opening deposit ( For {$2000.00} ). I have not recieved a " telephone PIN '' that is needed to access the account through online banking. I was supposed to recieve this PIN via the mail. I spoke to customer service last week and they said they have not received my signature card, which I sent already. They said they would send me another copy via mail to sign and send back. 

I just spoke with customer service and they said I can't access my account and I need to wait for an " investigator '' to call me and I can't access my own money. I have followed all required procedures to open my account and PNC bank is holding my opening deposit and account hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written several certified letters to XXXX AND PORTFOLIO RECOVERY asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of {$2100.00}. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX AND OR PORTFOLIO RECOVERY. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement is not sufficient validation of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written several certified letters to XXXX AND XXXX XXXX asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of {$2100.00}. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX AND OR XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement is not sufficient validation of evidence.

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 2021-05-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
" Fidelity Capital Holdings , Inc '' acquired consumer credit card debt ( revolving account ) from XXXX XXXX XXXX XXXX. I have not used the account in 5 year 's. The account was originally a charge off account for three years, but Fidelity purchased the debt last year. I was notified they would sue me and our court date would be XX/XX/2020, however they filed a default judgement against me in XX/XX/2020 and levied all of my assets in my checking and Savings account yesterday XX/XX/2020 leaving me with " XXXX '' dollars in my checking and Savings account having taken more than {$1000.00} from me. I am a single mom. Now I don't have more money to pay my mortgage, pay my non mortgage expenses, utilitiesx HOA, Gas and food. I am ineligible for public assistance as a middle wage earner. And I am afraid due to the size of the Levy {$8000.00}, when I have my next direct deposit, they will seize that money too. This is unamerican, egregiously wrong and I think they are predatory having purchased consumer debt. I called them several times before the levy and they would NOT negotiate a payment plan with me. What I am supposed to do? Please extend a retroactive moratorium on non federal consumer debt collections, levies and garnishments. So egregious and Un-American, these predatory companys. 

respectfully submitted, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Simple Cash Loans, Inc.,
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to meet up with a rep of XXXX XXXX in XX/XX/XXXX to getting a loan using my car as collateral and ask for XXXX , prior to asking the man on the phone *XXXX* said that they would need to put a gps on my car and only give me XXXX $ cause of fees for stuff about dmv and titles. So I ask XXXX and XXXX was skeptical over phone and said hell ask his associates and come back saying okay but youll only get XXXX cause of fees and stuff. As I was talking to his assistant to sign paperwork to make it official they told me that normal title loans youll pay interest rate like any other title loans. So when the assistant went over the paperwork with me on her computer she said an estimate of XXXX I would have to payback with no time frame prior paying back so it sounded reasonable me cause I borrowed a bit more and would have to pay a little more from interests and fees. So months went by and I started to notice that the balance I owe wasnt going down and email them saying why it kept going up and down on my payoff balance account and they respond that it changes daily on my account. Didnt think about it too much and forgot about it. Come about a year later Im stilling paying it so I look about my copy of paperwork and notice that they gave me XXXX $ and the APR is 128 % over 36 month time period and after Ive done payed off my total would be over XXXX . Ive email them about this and gotten no respond as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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: Old information reappears or never goes away

Complaint:
Account XXXX is over 8 years old and all three credit bureaus continue to report. This account needs to be removed ASAP! it is over the 7 year mark and thus reporting agaist my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: ENOVA INTERNATIONAL, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Per my contract extra payments can be made towards the principle, you must contact them to let them know that is what you're doing. I did that and I sent 2 payments in XXXX totaling {$450.00}. I did not have a Jue payment, my next payment was not until XXXX. Instead of putting all my money towards the principle, my payment was applied to XXXX 's payment which I did not ask for them to do because that meant some went to the interest. I called and inquired about it I was told that any payments would go to upcoming payments first but I had no payment due in XXXX. according to my contract, it does not state that unless there is a payment due which one was not for over a month. Then I was told it didn't go straight to the principal because it was not made on the actual due date of the original payments. Not only does that not make any sense it does not state in my contract that it has to made on the due date in order for it to go only to the principle. I told the person that called me I want all my money to g to the principle ad put my account back that I have still a payment due in XXXX instead of XXXX. I was told I would have to set up an automatic payment but that would still leave my balance over the actual amount it should be. Net credit states one thing in your contract and when you call they state something different. I told them I have a legal contract and nowhere in it does it state that when I call I will be walked through the process ( there's nothing to be walked through ) nor does it state in the contract that it will be applied to the next month 's payments, nor does it state that the extra payments have to be made on the contractual date in order for it to go to the principle only. My current balance should only be {$1000.00} which is the amount after I made the 2 additional payments. My next payment date should be XX/XX/XXXX NOT XX/XX/XXXX and none of my money should have gone towards the interest. I followed the instructions of the contract and informed them that the payment was coming and where I wanted it to go. If you pay only on their terms you will be paying back 3x the amount you actually borrowed. 

Also, net credit advertises no credit check but I have a hard inquiry on my credit report from them that I want to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CAPITAL ONE FINANCIAL 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: Account information incorrect

Complaint:
XXXX the account was never paid late. Always have been on automatic payment. Bank error. Reported and acknowledged several times, promissed to have it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: FCI Lender Services Inc.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It started when i tried to apply for home equity line of credit. I have a FHA loan and FHA down payment loan. I use to have XXXX XXXX for the down payment loan but i have a different service now with FCI Lenders. As far as i know there was no penalty paying off the down payment loan early. So i called FCI Lender to find out what's my remaining balance to pay it off but they told me that i have to write a letter and mail it to them that i want to pay it off. I was like, i just want to know my balance to pay it off. So i said never mind and just paid a lot more than the usual payment i do every month. On XX/XX/2020 i payed off the remaining balance on my account ( show 's on my monthly statement ). A couple weeks later i got a letter saying that i still owe money and i need to pay it off to get my account release. I thought there was no penalty? so i called my old lender about the problem im having. She told me, did i receive a change of service letter?, and i replied i think i did but it was a while back and when i tried to look for the letter which i normally save that i couldn't find it. She told me to ask the new servicer the change of service letter info, they should have it. So i called FCI lender and ask for it but they told me they don't have it. I ask, will my old service should have it? FCI Lender told me no, they won't have it.??? so who have it? I thought Reconveyance Fee was charge on the beginning of the loan? or any other fees at the beginning of a loan? Shout out to my old lender for telling me to check out CFPB.

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 2021-05-27
Company: JPMORGAN CHASE & CO.
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: Problem with rewards from credit card

Complaint:
I have XXXX credit card with Chase Bank. In the past I've always been credited 1 free night on XXXX of each year of my membership. However, this year I have not receive the free night award along with this credit card even though it's advertised as the included benefit. I've already paid the annual fee and I still have not received the annual free night award like usual and it's been almost over 2 months. 

I contacted XXXX but they said the responsibility is with Chase Bank. I then contacted Chase Bank XXXX credit card representative on XX/XX/XXXX and I was told that they will contact me back and research to credit the amount. However, I still have not received any calls about this. 

Please see the attached screenshot from my XXXX account showing that File 1 - showing my XXXX account number File 2 - showing in XXXX and in XXXX, I received the XXXX Annual Free night award as part of Chase credit card benefit on XXXX. However, this year I did not receive any!! 
File 3 - showing that I did not receive any free night award this year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
i applied for a credit card on XX/XX/18 with XXXX XXXX an i got denied based on my credit report that was send from experian with all type of inaccurate things on my report. which caused me to denied for credit.

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 2018-05-03
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:
On my transunion credit report it is reporting that my XXXX account is an adverse account yet the pay status shows : Current : paid or paying as agreed. I have disputed this many times and it has been corrected with XXXX and the account shows as a positive account on my credit report. Transunion sent me a copy of the results from the investigation and it is still reporting as adverse with 1 late payment back in XX/XX/2017. I have contacted the creditor about this issue and was told to dispute it and they will respond that the account is current and always has been. There was a discrepency at that time with payments I had made to the account but it has been rectified since then and determined that the account has never been paid late. I am furious that this is ongoing and still has not been corrected. If XXXX was able to resolve the issue and put the account under accounts that are satisfactory then why is transunion still not fixing this problem? It makes no sense because the status is a positive one so it should not be listed under accounts that are potentially negative.

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 2019-11-18
Company: Fair Financial Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
HELLO I AM CURRENTLY UTILIZING A SHORT TERM LEASING COMPANY NY THE NAME OF FAIR I AM CURRENTLY OAYING XXXX A WEEK TO KEEP THE CAR THE COMPANY USING A APPLICATION TO EXTEND CONTRACT ETC THE APP HAS NOT BEEN WORKING AND THE BUSINESS IS NOT HELPING ME TO GET THIS PROBLEM FIXED SO THE CAR DOESNT END UP GETTIN REPOD I ACCRUE FEES ETC

Company response to consumer: Closed with explanation