BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Hello My name is XXXX XXXX. I have a lease with GM Financial account # XXXX. 
I have add several issues with GM Finacial reporting incorrect information during this lease. Now that I am towards the end of my lease and will not be getting another car with GM Financial due to them reporting inaccurate information and delayed responds on issues. 
-Currently they have my credit reflecting that I have Two Cars in my Name with them which caused me to be denied finance a home and a early trade in option. 
I only have 1 car which is a XXXX XXXX opened XX/XX/XXXX balance {$3600.00} -I recieved an alert that a new lease was open in my name as of XX/XX/XXXX This is unexecptable i have not open any new credit with GM Financial .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I went on to XXXX to see what a loan would cost me. They have a personalized payment calculator. At the time they were offering 0 % for 72 months. I entered in the calculator for a {$500.00} down payment. The calculator stated the car loan would be only XXXX a month for a XXXX XXXX When I went to dealership they stated cant offer that payment. I would have to do an additional XXXX down to get that payment amount. 

They offered me 0 % for about XXXX a month. I told them I would put a XXXX down but their final offer was a payment of XXXX with a 5 % interest for 72 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Fairway Independent Mortgage Corporation
State: CA
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:
Fairway Mortgage pulled my credit and my wife 's credit ( hard inquiry ) without authorization.

I started talking with Fairway Mortgage to discuss a loan to build an addition on my home. I provided basic information to Fairway, but I did not give permission on the online form nor did I give permission over the phone. I told the agent on the phone multiple times that I didn't want my credit pulled until the time came. The plan was to pull the credit once the plans/designs for the home addition were completed and ready to process the loan, and the agent knew this. 

Fairway Mortgage then pulled my credit and my wife 's credit ( hard inquiry ) without authorization. The agent I was working with did not take responsibility and their supervisor then told me they can't remove the hard inquiry from my credit report and it was my responsibility to contact the credit bureau and dispute it directly with them by letter or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter from XXXX XXXX in early XXXX of this year stating we were due an escrow refund from 2016 of almost {$850.00}, and that if we didn't do anything the money would go back to the state. We filed paperwork asking for the money to be issued to us as a check, and emailed it to XXXX who replied she had received it on XX/XX/XXXX and it would take 7-10 days to process after which it would be mailed to us. 2 months later and we still haven't received the check despite two further emails to XXXX, one to customer support and a phone call - all of which went unanswered.

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 tried to work with Trans Union, XXXX  and XXXX for over a year.

They refuse to investigate and acknowledge the letter form the US Federal Court.

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 2018-12-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
According to my calculations i went to my local XXXX around XX/XX/XXXX, the cashier encouraged me to get a credit card with XXXX. I was approved for {$200.00}. She told me to sign a paper and that was it. No explanation of monthly fees, she said if you buy something you can just pay it back later on if you do it through credit so that's were things got confusing. i thought as i used the card i would have to pay back later on. I didn't know of monthly fees until months later when a credit company called me telling me i owed {$200.00} plus dollars. I've only gotten one {$20.00} object from this store. I NEVER got my credit card in the mail and never got notice of bills in the mail. Today, i got a call from XXXX XXXX, all other times I've received calls its during my work hours. I have tried to call back after work and it always asks me to give them my account information. i cant give them that information if i do not have it. Otherwise all i can do is talk to an operator. i sneaked out of my job to talk to them today. The guy was very rude. he wouldn't even let me talk. i was tying to explain to him that i wanted to pay in payments since it was XXXX  season. I felt harassed in a way because he was nonstop telling me you have to pay now and i repeatedly told him i was going to give a payment and pay the rest every Friday. continuously he would talk over me as i tried to explain how i wanted to pay off my dues. I think this whole deal was poorly taken care of and its affected my credit the most.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18
Company: SYNCHRONY FINANCIAL
State: MN
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:
In XX/XX/2017 synchrony bank stopped sending me bills. I called on more than 2 dozen occasions, they said it could take up to three billing cycles. I never saw anything till some lawyer I never heard of sent me copies. They listed me as uncontactable and behind when I said no bill no payment. They wouldn't fix my online login, they told me they mailed and that's all law requires. At the same time they told me all bills sent were returned. I can't find a consumer rights lawyer near me, I just know by federal law this isn't right or even legal.

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 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}

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 2019-03-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
PayPal is keeping me from retrieving my own money, despite over 25+ contact attempts to resolve the problem with them over the past several years. PayPal refuses to release my money unless I supply them with SSN, ITIN or tax information, despite explaining to them too many times that I'm not a US citizen, and I do not hold a SSN or have tax information. 

I have more than enough reasons to believe that PayPal is deliberately and fraudulently holding my money. My last several complaints were completely ignored. My account have been sitting in " Were reviewing your documents '' status for many months. Whenever they answer my tickets, I usually get responses that address problems that don't exist, as if it was a random auto-reply. 

I already supplied PayPal, based on their request, with too many proofs already, including my country citizenship ID, my passport, my US visit VISA, my phone bill, US Tax exemption form, and many more. Some of the documents were sent to them multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: BARCLAYS BANK DELAWARE
State: MI
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:
I had a Credit Card with XXXX XXXX Barclay 's Bank that was subject to unauthorized transacxtions because of identity fraud. The Company is still reporting to XXXX a balance including the unauthorized charges effecting my credit standing.

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 2018-11-19
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home XX/XX/XXXX. I have never missed or been late on a payment. My property tax and insurance was not calculated properly resulting in a shortage in escrow. My payments increased which I can not afford at the moment. I have been trying to get caught up on expenses since the purchase. I am making progress however I need more time. I was making payments to XXXX since XX/XX/XXXX. When they notified me of the increase, they have me the option of spreading the escrow over 24 months ( see attached ). I have been doing that since to get caught up. They sold their accounts to another company, XXXX XXXX XXXX. I started making payments to XXXX XXXX XXXX   XX/XX/XXXX. I informed them immediately that I was paying escrow spread out by 24 months and that it needed to remain that way as I had it set up with XXXX. They told me it would not be a problem and that I would see it on my next statement. I never received a response and when I called them 3 days ago to follow up, they told me I was denied it to be spread out over 24 months because it fell within a certain % threshold. I have never heard of anything like that. XXXX always asked me how much I could spread it. XXXX even offered to spread it out further than 24 months if I needed it. Please help as I can not afford this increase in payments. I take protecting my credit seriously as I do not want to fall behind in payments. This can not be fair and I should not be forced to stay with this company under their new rules if they are not making the same accommodations as XXXX. I did not make a decision to do business with them, my account was transferred and should have remained with the current escrow spread-out setup. I was paying {$1300.00} with XXXX. With XXXX XXXX, I am paying {$1400.00} because they will not allow it to be spread out more than 12 months which I believe violates my consumer rights. Lastly, they are saying I owe a late fee on my account, however I do not owe them any late fees. Even though they said not to worry about it, it still appears on my statement every month. The payment system does not say I have a late fee when making the payment, however online, it does. This needs to be removed because when I print my statements for personal needs, it will show I have a late fee. Overall, this company is very unorganized and does not resolve customer issues the way they should. The process for this transfer was not seamless and has caused many problems at the cost of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching a copy of the letter that I sent to the credit bureaus on XXXX XXXX, requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX early in the morning lost my debit card issued by Bank of America. 
Woke up that morning with two separate XXXX dollar atm withdrawals at atms not owned by BofA near my home, and charges in XXXX Illinois at a gas station and XXXX XXXX Illinois at a XXXX for a total of around 1,300 in lost money. 

Immediately called Bank of America that morning and the card was inactivated with a new one sent to me. I received only a partial credit of {$300.00} on XX/XX/XXXX which was reversed on XX/XX/XXXX stating that no fraudulent activity had occurred. 

I immediately called my bank and then filed a police report at the local police station and submitted my police report. 
On XX/XX/XXXX Bank of America mailed me and once again denied my charges yet they were fraudulent. 

I have run out of ideas as Bank of America is clearly violating my rights under the electronic funds transfer act. I reported the claims well within 48 hours and am only liable for up to {$50.00}. They refuse to provide valid detailed information stating WHY my claims are not Fraudulent. I have filed a police report and am looking for all avenues to protect my rights and my personal property. 

I can provide more detail such as copy of police report and detailed claim number and amounts.

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 2018-11-19
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call from a blocked number. I dont answer because I dont know who it is. I changed my number and they somehow get my new number. I feel like theyre doing something illegal by getting secretly getting my new number. I also read that its unlawful for them to call my cellphone. They also say my name wrong so technically they have the wrong person.

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 2018-06-18
Company: Experian Information Solutions Inc.
State: PA
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 tried to work with XXXX XXXX, XXXX  and Experian for over a year. 

They refuse to investigate and acknowledge the letter form the US Federal Court.

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 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I filed the following CFPB complaint re : Capital One Case : XXXX CFPB No : XXXX in late XX/XX/XXXX. Capital One responded, in pertinent part, Dear XXXX XXXX XXXX, You recently contacted the Consumer Financial Protection ( CFPB ), about charges from Spy Spyfly.com for {$1.00}, billed to your account on XX/XX/XXXX, and {$29.00} billed to your account on XX/XX/XXXX. As well as charges from XXXX for {$1.00}, billed to your account on XX/XX/XXXX, {$39.00} billed to your account on XX/XX/XXXX, {$39.00} billed to your account on XX/XX/XXXX, and {$39.00} billed to your account on XX/XX/XXXX. We understand you believe these charges are fraudulent ....

Our records show, on XX/XX/XXXX, you spoke with one of our agents to report fraudulent activity ... .Regrettably, the agent failed to file a lost stolen report on the card where the charges took place ... Because of this, the merchant was able to continue charging the account on XX/XX/XXXX, and XX/XX/XXXX, as mentioned above.

As a result, we re-billed your account on XX/XX/XXXX, for {$29.00}, XX/XX/XXXX, for {$29.00} and XX/XX/XXXX, for {$39.00}.

***However, as of XX/XX/XXXX, I can confirm all of the fraudulent transactions have been credited to your account and there have been no additional charges from the merchants. *** If you have any additional questions or concerns, please give me a call at XXXX, Monday-Friday from XXXX XXXX XXXX PT. When contacting me, please use XXXX as the 6- digit PIN when prompted. My 7-digit extension is XXXX. Im glad to help any way I can. 
Sincerely, XXXX XXXX, on behalf of Capital One XXXX : This last sentence marked by XXXX XXXXis untrue. Capital One continued to rebill me for {$39.00}. Three times. I tried calling and leaving a msg for XXXX, XXXX, at the number he provided to advise him of the last {$39.00} rebill on XXXX 2018 that was not refunded, contrary to Capital One 's letter to CFPB. His name is not on the XXXX greeting. Instead it is a " XXXX XXXX. '' I left XXXX on XXXX, XXXX, and on XXXX, XXXX, a senior acct executive,  said he was sending an instant msg to XXXX as we spoke. To date, neither Ms. XXXX nor XXXX, nor anyone from Capital One has contacted me to follow up and resolve this. The final {$39.00} rebill for the fraudulent charge remains on my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
started calling from XX/XX/2018 everyday until now XX/XX/2018 XX/XX/2018

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 2019-05-22
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 fraud alerts or security freezes

Complaint:
Have had a couple years of problems getting an auto loan and replacement credit cards with current companies due to a credit freeze that was put on incorrectly. 
XXXXmy wife, died XXXX I wrote all three agencies, Experian, XXXX XXXX and XXXX to update my information and remove ALL credit Freezes and alerts since they are blocking me. 
XXXX I called all three agencies to check that the remove was done and deleted. They said they would have it posted in 48 hours. 
XXXX I later I reapplied for a credit card and they said the freeze and alert was still there and there was no phone numbers. Secondly, it shows that a NEW credit freeze was put on one of the agencies and therefore ALL three agencies put the freeze back on since they share information.

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 2021-07-16
Company: Salander Enterprises, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today XX/XX/XXXX I was contacted by a XXXX XXXX from XXXX XXXX XXXX phone number XXXX. He stated a complaint has been filed against me in XXXX XXXX XXXX and I needed to contact a number with file number to get more information. 

I contacted the other number XXXX and provided the file number, I was transferred to a legal person XXXX XXXX who stated they we going to be suing me for a past debt with Salander Enterprises LLC. She said if it hadn't been filled though that I could settle the debt by end of today. I was then sent a document via XXXX XXXX to sign and provide a payment method. 

I have never done business with either of these companies and I have told them I needed proof of the original debtor before continuing. They have yet to provide this to me. 

Researching further the address in letter head of document sent to me is an address for a XXXX XXXX company in business since XXXX.

Company response to consumer: Closed with explanation