BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: FORD MOTOR CREDIT CO.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my auto loan with Ford Credit because I had sold my car and needed the title to complete the transaction. I paid off the vehicle with Ford Credit on XX/XX/2020 and expected the title within 7-10 days. 
I have contacted Ford Credit on two occasions in the month of XXXX and one time they told me the title would be coming any day ( 7-10 days after they released the lien to California DMV ) and the other they provided a number to a third party company ( registration XXXX XXXX in XXXX CA ) that sent me a bill for {$250.00} to do the necessary paperwork to get me a title. 
I believe that Ford Credit has breached our contract by not providing the title. In fact not only have they not provided title they directed me to an outside vendor that wants to charge fees outside of our contract to finance the vehicle. My buyer has moved on and I have been forced to maintain insurance on the vehicle until the title gets to me and I can sell it again. I believe that without the title consideration has not been made by Ford Credit to me. 
I live in Montana now and provided Ford Credit and the state of California with my new address. I moved to Montana and updated my address with them before my payoff. 
My understanding of my contract with Ford Credit was that they would provide me with a title when our contract was fulfilled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity theft victim

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 2020-11-02
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2020 I scanned a signed document to Ann Taylor XXXX - Comenity Bank ( I was instructed by them to type the letter, sign, and attach via the message center ) regarding my financial struggles and requesting a settlement or a different payment structure. 

XX/XX/2020 I received a reply stating the correct department would be responding via the secure message center in a timely manner with a response. 

XX/XX/2020 I replied asking for an update and they apologized for the inconveniences and said their customer services works hard, no where referencing my concern I clearly stated in my message nor giving me a reply to my original message from XX/XX/2020. 

They have now reported a late payment on my credit all while I have been waiting for a response from them. I understand I have my responsibilities but with all the difficult times due to covid and having a XXXX on the way I need to work with them on my bill. I feel the way I approached this situation was for the best interest of both parties but I am unable to get in touch with them nor do they take my request seriously. I am not sure what else to do at this point. And my past due amount keeps increasing. At a loss for my next steps/options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I offered to aide someone with a need for transportation ( a ride ) and in doing so they were trying to contact someone via their cellphone for help. This someone is XXXX XXXX. I then was experiencing car trouble and was getting assistance from roadside service. While I was distracted and outside of vehicle XXXX XXXX used my cellphone to make an unauthorized payment to himself via PayPal. XX/XX/XXXX I filed a police report and based upon their findings criminal charges were placed against XXXX XXXX. I contacted PayPal on XX/XX/XXXX and their representative stated they had made decision and declined my claim for unauthorized payment thereby validating payment and not returning money to my account. PayPal representative then told me my submission of documents nor a police report indicating a crime had taken place did not matter and would not change their decision. PayPal further stated that their investigation shows my phone issue payment and regardless of whether or not I gave consent they consider the payment valid. PayPal advertises their payment services as 100 % coverage for unauthorized transactions to everyones accounts yet in reality they support criminal activity and add further damage to the account holder who is victim to fraud/embezzlement. XXXX PayPal representative stated that their decision stands without consideration for material factual documentation. How is that? I have been given 4 different case # s and several different email addresses to send in documentation ; yet, they only have received it once. PayPal is very inconsistent and bias in their review process and for the majority offer no safeguards for their account holders and Sellers of XXXX. Unfortunately, this is not my first dealing with PayPal and their process is so lengthy for actions that take hours. Their review process is claimed to be in 10 days ; yet, after 3-4 days they have made a decision and not included the account holder in the investigation or even contacted the account holder. Currently, they are awaiting the 10th day to send me any updates and/or their decision when in fact they have made their decision final. Please help! PayPals review process is skewed and out right not socially responsible in their stance to support fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: MD
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:
My first payment for this loan was due XX/XX/2017. I set up an automatic payment for {$300.00}. As you can see, it was deducted from my checking account. It also says " current '' on my credit report but STILL marked as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine I ask this company to send contracts and documents with my signature on it and they can't provide. I also ask for date they purchased debt, How much they purchase the debt for and all sign documents with my signature also there license to collect this debt and they can't provide me. This is a violation to my consumer rights also a violation of law and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Original Debtor, XXXX, keeps changing collection agencies to illegally re-start the clock on a debt thats several years old. 

Current collection agency, Convergent Outsourcing, Inc, also refuses to correct the dates of the history of the account. 

XXXX refuses to verify the correct age of the account. Ive asked for documentation of verification numerous times. Nothing!! 

Ive also disputed the history of the account with XXXX ( the most unscrupulous credit bureau ) several  times as well to no avail! 

The dates and history of this are incorrect and no documentation has been forwarded to me for verification. No account numbers or phone numbers. Nothing. No contact information for the collection agency 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 explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
FOR : XXXX XXXX XXXX ( Closed or open ) In conjuction with XXXX CFPB complaints Under the law/following : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] My late payment ESPECIALLY since it was and is the one and only on my entire report legally should not be on report.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why or...

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 2020-11-02
Company: Navient Solutions, LLC.
State: CO
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:
I consolidated my student loans years ago. These old Navient loans have been paid off for years and I have no new debt with them. They never used my forebearance or defferment time on their loans, even after I pleaded them to change those late payment statuses reported they would not. Now the loans are all paid in full, and they will not remove them from my credit reports ( XXXX, XXXX, XXXX  ). Thos late payments that are nearly 8-9 years old are causing tremendous harm to me in as I try and buy a home, and qualify for other loans. The reason for denial with new financial institutions is marked as " serious delinquency '' and it is all due to these old old Navient loans ... .That are paid!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: M&T BANK CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted M & T Bank in XX/XX/XXXX regarding my credit reporting error. My mortgage loan started with M & T Bank in XX/XX/XXXX. In XX/XX/XXXXI filed bankruptcy. MTB bank has erased my payment history prior to the bankruptcy filing which is illegal. There response does not address the history they changed prior to my XX/XX/XXXXfillings. 

They are saying that my lawyers did not file a reinstatement. Please keep in mind my payments are current and they are no longer reporting this year. After consulting with my lawyer I filed a chapter XXXX and did not discharged, as i removed myself from chapter XXXX. Therefore M & T bank should 1. add my prior payment history back prior to XX/XX/XXXXbankruptcy 2. add my current payment history back

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 2020-04-23
Company: EQUIFAX, INC.
State: GA
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 XX/XX/2020 XXXX  claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .XXXX  is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.XXXX  continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to EOS CCA in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency XXXX XXXX XXXX opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than EOS CCA which took first ownership of the collections account to begin with. I believe that I have no knowledge of XXXX XXXX XXXX made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked AFNI for validation of this debt with zero cooperation from the company. XXXX was NEVER installed service at my property. They refused to come and run a line from the pole without an additional {$70.00} charge and I refused the additional charge so the service never even started. The equipment was dropped off at the XXXX office at that time. I do not owe this debt. They are negatively affecting my credit rating and refuse to validate with a SIGNED contract or ANY proof whatsoever that I owe them anything. This has been going on for over a year and I want this immediately REMOVED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my Equifax and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/21 I requested a loan from XXXX XXXX and was approved. XXXX $ was deposited into my account. When I tried to access my account it had been like I recently got out of a messy relationship so when I tried my password several times my account was then locked previously I have been using my face recognition to open my account and it has worked for the last 7 to 8 months upon speaking with a representative at wisely on the phone I was instructed to send several documents proving who I was my account was open later the same day. I was cut a check for {$470.00} the amount of the loan I was able to cash it by luck that I had to blank check That was sent the very first day I got my card so I cashed it and the next day I got my unemployment check deposited. ( XXXX $ XXXX I called to expedite my card and was charged {$35.00} My card never got delivered so I called wisely to please give me a refund while doing so I was asked for a security freeze which I have never been asked for before I dont remember the security freeze even if I did put it. I still have access to my web application and in charge of everything passwords phone numbers emails and have all that I have given them all the documents that I can and they are still holding my money it has been three days I have yet to be an issue a refund and they will not let me access my account I have called over and over I told him that I need this money to pay my bills and they keep telling me to wait another 24 hours Ive been hung up repeatedly on by different supervisors and would like you to ask them for the records so you can see how rude they were to me I got upset a couple of times asking him if theres anyway that they can help me to get my money I told him I was willing to go to the police station to verify my account a bank anythingXX/XX/XXXX they did not offer any other solutions. I think it is funny how when I asked for a refund on there overnight delivery fail I was asked for the first time ever if I knew my security phrase for the account. I ordered the card replacement wed. And have yet to receive it here on the following Monday. And still no refund. Can you please advise these people to open my account and refund my money. Please investigate. I would call and they would tell me. I know who you are I cant help youthank you for your time and concern

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
The company ( MyPrepaidCenter.com ) is selected by various merchants to provide Rebate Prepaid Cards after you have purchased something like tires. I received my Prepaid Card a few weeks after purchasing the tires. The card comes with advertising to " XXXX XXXX for 5 % Back ''. I elected to try to take advantage of this offer & verified I used the card at a company on their select list. After my purchase - they are supposed to add the 5 % of the purchase back on the card to be used. The first time this happened when I bought some pool equipment - I was finally able to reach someone by phone & after about 5 phone calls they added the 5 % to the card. This time however - they have eliminated all phone support and you have no way to get this resolved for the funds promised. This is just truly a scam and very convenient that the card expires this month - so there is no time to resolve the matter. I followed their written instructions and verified the card was used at a participating company still listed actively on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.

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 2018-03-02
Company: Early Warning Services, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Earlier today I saw on XXXX that someone was selling tickets to the XXXX vs. XXXX game in XXXX tomorrow ( XX/XX/XXXX ). I contacted the seller via text message. He was selling the tickets for {$110.00} each, and I wanted 2. So I paid him {$230.00} through XXXX, an application that is backed by my bank, XXXX XXXX XXXX ( so logically, I thought this company was trustworthy ). I sent him the payment through XXXX and let him know. I never heard from him again and never got the tickets. He provided his name, XXXX XXXX, and email, XXXX, which I do not know if it is legit. I also have his phone number, XXXX. I figured if he used this name and email address on XXXX that XXXX would be able to track him down and stop the money from being transferred into his account ( and before he was able to close the account ). I tried contacting XXXX via the contact page on their website and didn't receive a prompt response to fix this issue. I also tried calling the number listed on their website. They provided no option to help resolve this issue and no option to let me speak to a representative. All I wanted was to stop this money from being posted to his account and out of mine. I do not have {$230.00} to spare. I am a recent XXXX XXXX  with very little money. People like this should not be able to get away with such actions, and in addition, I want my money back. 

I have read countless posts online about how XXXX says there is nothing they can do since the buyer ( me ) authorized this transaction. This is not fair.. especially when I've attempted for hours to get this transaction to be stopped before the scammer gets his money and shuts down his account. 

I will NEVER use XXXX again and will NEVER recommend XXXX. I'm livid. 

I've reported him to the FBI Internet Crime Complaint Center in hopes he gets caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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