BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, Fed Loan Servicing posted a payment of {$10000.00} to my student loan account. The envelope containing this check had a second check in the amount of {$4200.00} in addition to a copy of my billing statement. The {$4200.00} check did not post to my account. On XX/XX/XXXX, I called customer service and talked to a supervisor. I  was told that my check was deposited in a holding account because they did not know where it was to be applied. I was told that the money would be applied to my account and would reflect on XX/XX/XXXX. It is now XX/XX/XXXX and the payment still has not posted to my account. This is a large sum that will pay off my loan. I do not know how to get them to apply the payment. A stop payment is not an option as they have already negotiated the check. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did Capital One Auto Finance attempt to repossess the vehicle. I filed a credit bureau review request with Capital One, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Experian Information Solutions Inc.
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:
On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.

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 2017-08-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX shows on experian. I sent in proof to other credit reporting companies as well and the debt was removed from all but experian. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on experian. XXXX XXXX did not respond.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: TN
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:
Ive submitted several disputes to the credit bureaus. And have not gotten a response

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 2022-08-14
Company: McCarthy, Burgess & Wolff, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Me and my spouse signed up for a gym membership under false pretenses and when the manager at the time left, the new manager informed us that we were not allowed to have our children present at the gym. We told them to cancel our memberships as they were now in breach of contract as the previous manager had told us that we could. After talking to the owner of the location he told us, over the phone, that all debts are forgiven and no further action will be taken. 

One month later in XXXX, I noticed an attempt to pull funds from my account, I reported it and it was refunded to me. Same thing happened in XXXX but nothing further. 

XX/XX/XXXX I got a letter from the debt collection agency saying I owed money, I immediately disputed that I owed money and requested a verification of debt. XX/XX/XXXX I got the verification letter, I mailed them back a letter saying I again dispute this debt due to the owner telling me and my spouse that all was forgiven, I also asked for verification that the company could indeed collect a debt in North Carolina. I have not heard back from the company since and when I checked my credit report, debt collection is now part of my credit report. I do not owe this money and the debt is still in dispute, I believe it is illegal for them to do so without putting a note that it is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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:
In short, my student loans were all initially federal loans from the US Department of Education. I financed my entire education for XXXX, XXXX, and XXXX XXXX. I also paid my wife 's loans off as well. Several years ago Penfed Credit Union approached with an offer to consolidate my remaining loans. Seeing no other option as interest had compounded and my loan amount grew exponentially at a time I could not afford to repay I did move them to Penfed. Since then and over the previous repayment period, I have paid for what all three of my XXXX XXXX  XXXX costs at least one time. The interest that has ballooned my repayment amount shows I still owe {$130000.00}. I have working in poverty stricken public school districts in NJ for over 20 years. I have not been able to take advantage of the loan forgiveness program because my federal loans are with PenFed Credit Union. I would like to know if there is anything that can be done to forgive or reduce the amount remaining. 
Thank you. 
XXXX 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 2021-06-29
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:
There are 6 accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX XXXX  - Account # XXXX XXXX {$2200.00} XXXX XXXX - Account # XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX XXXX {$3400.00} XXXX XXXX XXXX  - Account # XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX {$300.00} XXXX XXXXXXXX - Account # XXXX XXXX {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-29
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased a vehicle at XXXX through Santander in XX/XX/XXXX. 

Amount Financed : {$14000.00} Car Payment due each month : {$340.00} XX/XX/XXXX ( due XX/XX/XXXX ) amount paid : {$340.00} XX/XX/XXXX ( dueXX/XX/XXXX ) amount paid : {$350.00} Payoff as of XX/XX/XXXX : {$14000.00} This company is clearly a predatory lender. There is no way after 2 payments ( one of which was more than the actual amount due ), that the payoff for this loan should be more than the original amount financed. I have requested a copy of my signed contract by both mail and fax and I have not received either. They have also not been able to clearly explain to me how the two payments have been applied towards the loan. This is clearly a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly asked Experian to remove/delete outdating information in my credit file. I have submitted to them a copy of the report that they themselves have sent to me clearly indicating the first delinquency date of XXXX therefore making XXXX XXXX years and yet they continue to do nothing, continue to drag their feet and continue to clearly report inaccurate and outdated information which is a clear violation of the FCRA and FDCPA.

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 2017-04-18
Company: DriveTime
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a   XXXX    XXXX   XXXX  from DriveTime, their  XXXX , MD office. Within 30 days of the purchases, I 've had to buy  XXXX  front tires 2 times. My front tires were wearing down to the metal treads wit hin 4-7 days.      When I bought the second set of tires the mechanic realized that the drivers side front shock spring was broken. I thought it was something I had done but the mechanic said that whoever inspected the car knew about it because they put a zip tie on it. I looked on the inspection order and noticed that the company had marked that suspension as a pass.     They also marked the windshield as repaired, there had been a chip in it when I purchased the truck. Well, that " repaired '' chip had grown to a full crack that stretched across the bottom of my windshield. Also, they had on the inspection order that my rear rig ht brake was repaired ... not true. That brake is ro utinely engaged while I 'm driving. It 's gotten to the point where it is now digging into my rotors so now I need those as well. As a sidebar, the AC does n't work but that 's not a safety issue.      So I contacted Drive Time an d told them what was going on. They told me to call  XXXX   XXXX  which was there extended warranty company. I did that, told them what was going on, they basically kept repeating that they only work with engine problems ... essentially telling me to get lost, that 's my lost. They did n't even have the decency to give me a detailed response. They just kept repeating that they only cover the engine and then left open silence to influence me to disappear.     So  I called Drive Time again, they 're throwing me around to customer service. After 4 tra nsfers they 're still trying to avoid the repairs but they want me to get it looked at with a full diagnostic at one of their partnering shops. It 's getting frustrating. I 've never had a car buying experience like this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Only Experian credit bureau has been reporting a Public Record file on my credit report as a result of identity theft which they were previous made aware of. This company shouldn't be entitled to enforce inaccurate credit information on my credit profile. They were made aware before, someone with a similar name credit file was merging with my credit report as a result of identity theft. The accounts have since been removed but this 1 Public Record still exist. I pulled a PACER- Public Access to Count Electronic Record ( attached in file ) which clearly shows an address that doesn't belong to me ( or on my credit report ), and nor does it show a full SSN to fully identify a true match. 

I tried resolving it through Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( same letter again but with a birth certificate as they requested ), and XX/XX/XXXX. I even went as far as contacting the Illinois XXXX Bankruptcy Courthouse on XX/XX/XXXX via phone and letter directly, and received a written response that stated, " ... In order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis, and our database does not have any records for an exact match of you ... '' I sent the documentation over to Experian, and they still have not responded back with a removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
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 have attempted to disput e an issue with XXXX XXXX. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST XXXX DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX ( XXXX XXXX. XX/XX/2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for 3 years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.

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 2021-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I used Lexington law firm from XXXX I paid $ XXXX for credit repair services. They did nothing for my credit. No credit related issues were fixed and nothing was removed. I called them several times asking for updates with little to no help. I wasted $ XXXX of dollars thinking this was the best action to take. After terminating my services with Lexington law they still charged me unexpected and unlawfully XXXX/month. Ive called and emailed them several times to delete my account info so I wouldnt be charged but every month I continue to get charged. They have refunded me XXXX every month after calling them. I would like a full refund from the start of my services XXXX for service that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Infrequently, I have used PayPal to buy items online. 

Recently, I went to order XXXX  Air Pistol sights online and bought things from a fraudulent store. Unfortunately, I did not discover it was fraudulent till after the payment went through and PayPal did not provide any resolution. I sought resolution with XXXX and the issue was resolved. The amount in question is XXXX USD, but it could have been a larger sum and this had me on high alert. 

Afterwards, I attempted to close the PayPal account. I was able to detach the credit card ( which had been cancelled ) from the account but PayPal will not allow the account to be closed. They do not answer emails, their telephones, and I suppose the next step is to hire an attorney or seek restitution via the US Federal Government on closing this account? As a consumer, I do not know the laws around this, but to intentionally allow fraud, online, across state lines then refusing customers the right to close accounts sounds as if the digital wallet company enables wire fraud and participates in scams? 

Request assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is regarding the Goldman Sachs Apple Credit Card. 

Apple/GS released this card to the public without making it abundantly clear that account activity would not be reported to any credit bureaus.

It took them 4-5 months to just report general account info to XXXX. They currently have no plans to include any of the other credit bureaus. They are instructing customer service representatives to tell customers that they may potentially report to the other bureaus in the future but have no plans currently. Any deeper inquiry gets shutdown immediately with clearly canned responses.

The entire experience made me very uncomfortable, I probably would not have opened the account if I new this at the point of application, and I am fairly sure it was not included in the account agreement, which they may have updated after the fact.

Apple/GS is not following standard industry practices, is being very guarded and unclear with their customers, and has zero plan to fix the issue. 

I am worried about the popularity of this card - think of younger generations who can do whatever they want with this card without any impact to their overall credit score?

This is unacceptable behavior from two very reputable companies, I think it is unfair to consumers and should be addressed immediately, not in the next 3 years. I challenge the CFPB to hold these Goliaths accountable.

Thank you for the attention and time to this matter.

Company response to consumer: Closed with explanation