BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Around XXXX of XXXX a home equity loan was taken out in my name by my now ex-wife for her business. I became aware of the loan in XXXX when the loan should have been paid off but was in default. I received a call from USAA stating that the loan was in default and I needed to make payment arrangements. I told my ( then ) wife about it and she said that she told me about it ( which she didn't, she told me of another loan taken out for the same amount through XXXX XXXX ). She was able to set up payments. Fast forward to XXXX ( we divorced in XXXX ), I went to the courthouse to file paperwork and it was suggested that I check to see if there was any information on my home. I uncovered falsified documents, signatures ( notarized ), and information regarding the loan. I have contacted USAA several times over the past few years and since then my ex wife stopped paying on the loan. I have been paying the loan myself to keep my name clear with USAA but they have done nothing to date. I have evidence that completely puts USAA at fault for somehow letting this loan go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sold an item on XXXX and on XX/XX/XXXX the payment was sent via Paypal. The item was photographed and sent on XX/XX/XXXX and received on XX/XX/XXXX at XXXX XXXX and signed for at the home. Then on XX/XX/XXXX the buyer said that " Bought this item as a gift. Finally giving it as a gift it was just removed from packaging and the connector beads fall apart separating the pendant from the necklace. '' WHICH WAS A LIE, BUT FORTUNATELY I'd taken a shipment photo and the case was closed by XXXX in my favor! NOW another 45 days have past and I get an email from Paypal ABOUT THE SAME TRANSACTION, but a different lie! This time it's the " pendant '' that is loose and falling off! MY PROBLEM WITH THIS IS THAT Paypal is pushed by XXXX for " ease '' of transactions and the Paypal Seller Protection covered " delivery of item '' and XXXX who offers " buyer protection '' takes care of " not as described '' item which I'd already endured. NOW Paypal is holding funds and requested THE SAME INFORMATION THAT HAS ALREADY BEEN INVESTIGATED BY XXXX! It doesn't matter if they are no longer co-companies or subsidiaries duplicate investigation should allow them to have a common site for transaction evidence so that money isn't held twice whilst some OBVIOUSLY LYING buyer plays games! There is a " duplication of services '' that is in conflict and XXXX and Paypal need to develop a common ground for their transactions to prevent SELLER ABUSE! I'm not sure if the buyer took the necklace apart to steal the gold beads or what. I do know that it was as shown and pictures were submitted to show that fact! In my Auction is was stated that the item was SOLD AS IS and not returnable. This morning I woke up and Paypal has told the buyer that they could sent the item back which is broken and that they can get a refund. The buyer requested all sorts of additional shipping ( insurance and signature ) as well. According to the " seller protection '' agreement that is attached I as the seller was protected so long as the " payment was authorized '' and " the item was sent '' which it was. My item was EXACTLY AS SHOWN AND DESCRIBED AND I SUBMITTED PICTURES TO XXXX PRIOR TO SHIPMENT. This was a final sale and the item is not mine, but this my claim since I listed, photographed and shipped it! I have attached pictures, showed where XXXX decided in my favor and the policies which say that Paypal has erroneously authorized a return. The contract is SOLD AS IS and this double jeopardy is not acceptable. The necklace had 14k beads and they purchaser could have broken the necklace to take them off or done any number of things to cause the breakage which are not the fault of the seller!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka Santander Bank ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr XXXX XXXX <NO PAYMENTS WERE EVER MISSED,, All payments to date have been on time, Had signed a reaformation with them. They have deceided NOT TO REPORT my credit payments to any agency. I have called them repeatedly, get some XXXX with an attitude, tough luck we are not going to report to credit agencys, XXXX credit was sent a dispute, never answered, just sugest takinh there Boost service @ {$19.00} per month. Only XXXX has my score low, since I wont take Boost service, XXXX XXXX XXXX have my scores in the mid XXXX, buut dont show XXXX XXXX , only XXXX shows my XXXX XXXX XXXX. My lease Expires in XX/XX/XXXX, this will have been my XXXX lease with XXXX XXXX. Yes I have complaned tothem, but told itd a Bank issue, Santander Bank will not help in any way its a seperate entenity not controled by the Bank. The dealer was informed & could do nothing, was told by dealer get a Lawyer, unfortunately my layer has pass away due to Covid dont know where to go from here

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I returned a XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX of XXXX XXXX, California. I called XXXX XXXX XXXX when I returned the car to inquire about paying off the rest of the lease. I was told the amount I owed and received a statement in the mail as well. I made the full payment online and was told that my account would be closed. This did not happen. XXXX XXXX  wrongfully deducted an additional month 's payment from my bank account on XX/XX/2018.  I called a couple of times to get my money refunded and have been given the run around. I still did not receive my refund. They are crooks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: OH
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 am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I  have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX   XXXX XXXX XXXX  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 2018-08-29
Company: MIDCOUNTRY FINANCIAL CORP
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I sent a goodwill letter to XXXX disputing an amount of {$4400.00} and they are charging 34 % interest rate. I have attached a letter sent to them on XX/XX/18 which they have not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent letters to credit bureaus starting in XX/XX/2021. I have some incorrect information on my credit file, and that negative information is causing a bad impact on my credit file. According to the Metro 2 system everything that is reporting on your account should be a 100 % accurate. The bureaus have copy of the letters that I have sent in.I need those investigated properly. I want to see the original documents supporting their claim.

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 2021-09-22
Company: EQUIFAX, INC.
State: FL
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:
This credit bureau violated my consumer rights under 15 usc 1681b ( a ) ( 2 ) '' no permissible purpose or no written instruction '' I never gave any permission to report such unverifiable and inaccurate accounts. all the disputed accounts are drafted on my letters. I want them to be removed immediately. They failed to delete these after several letters i have sent to them. They failed to verify and update my report the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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:
Please be advised that XXXX XXXX , XXXX ( XXXX ) disputes the charge of {$15000.00} under American Express Corporation Chargeback Dispute Case numbers XXXX and XXXX. 

American Express Corporation ( AMEX ) did not properly investigate this dispute, if it had, the case would have been decided in XXXX favor. The documents provided to AMEX by the Merchant, XXXX XXXX ( XXXX XXXX ) under case number XXXX were not relevant to the chargeback case. If AMEX reviewed these documents the conclusion would be been a refund to XXXX. 

XXXX purchased booth space from XXXX XXXX for a 440 squarefoot booth # XXXX at the XXXX/XXXX/XXXX XXXX in XXXX XXXX, California. XXXX XXXX without any notice switched XXXX to a smaller, inferior booth location ( 200 square feet vs 440 square feet ) without any authorization or consent. XXXX filed its dispute with AMEX. 

The documents provided by XXXX XXXX were for an exposition in XXXX, XXXX to take place in the future on XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX rather than the exposition that took place in XXXX XXXX, California, USA, which took place from XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and was the basis for the charge of {$15000.00}. 

On XX/XX/XXXX, XXXX representative contacted AMEX and spoke with XXXX ( Employee #  XXXX ) who stated that he was a manager at the dispute center ( XXXX ), to inform AMEX that the supporting documentation uploaded by XXXX XXXX was not relevant to the dispute at issue because it related to a completely different exposition, on a different continent, that had not even occurred. XXXX was able to view the deceptive documents and reopened a new dispute. XXXX was sympathetic and believed it was probably just overlooked and they would get it right this time. 

On XX/XX/XXXX, AMEX opened a new dispute, case number XXXX, for the chargeback amount of {$15000.00}. Again, XXXX XXXX submitted the same, misleading and deceptive documents used in case number XXXX. 

On or about XX/XX/XXXX, AMEX, again decided the chargeback dispute in favor of XXXX XXXX. We believe that AMEX did not conduct a reasonable investigation into this matter and is now attempting to collect a fraudulent debt. 

OnXX/XX/XXXX, XXXX again called AMEX to dispute this transaction and to point out the lack of investigative effort by AMEX. XXXX also informed AMEX that it will not pay, or be held liable for this amount, financing charges, or collections charges/attempts until resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: BQ & Associates, P.C., L.L.O.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/2018 from Brumbaugh and Quandahl law firm stating I owe the amount of {$12000.00}. I responded asking for verification of the alleged debt in accordance with the FCRA section 609 ( a ) 1. In the letter Brumbaugh and Quandahl listed the Original creditor as XXXX. I was very specific with my questions to know what the debt was for, and how they calculated the amount and who the original creditor was and whether they are license to collect in my state and for them to prove to me if the status of limitation has not expired on that debt. I wanted to know if I have, or had ever had any contractual obligation to pay. I demanded if I have a physical signed contract with them. On XX/XX/2018, they sent me a fraud affidavit form that I should fill. In their fraud affidavit form, they made it sound I was a fraud victim and requested a fraud form. I clearly refused to fill the form because I never requested such form. I requested for proof of alleged debt. Why should I accept an allegation as facts. I was clear about what I requested. I wanted to know what right they have to demand for such debt. Again, I demanded for a sign contract from them as to how they arrived at that amount and gave them 15 days to responds as I have earlier given them 30 days before or they should delete my details from their account. This time they have the original creditor as XXXX. I noticed the inconsistency of who the original creditor is. I am waiting for the response to their letter or proof of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Santander Consumer USA Holdings Inc.
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This is a follow up from Complaint ID # : XXXX. 

Dear Santander Consumer USA Legal Team : I sincerely appreciate you responding to my complaints and your commitment to coming to a fair resolution to this issue. I would, however, really appreciate if you do not insult my intelligence. 

Per your Deficiency Waiver on https : //santandermultistateagsettlement.com/Information-for-Consumers : " Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with Restitution, consumers who qualify for this relief will have to have a certain internal score. Consumers will NOT know their own internal score. Consumers who qualify for this relief will receive notice. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. 

My car loan was obtained on XX/XX/XXXX and was charged off on XX/XX/XXXX. So therefore, I am qualified for this settlement. You have the authority to remove this debt from my credit report regardless of what the FCRA states. I'm also not asking you to violate the FCRA, I'm simply asking you to remove the account from credit reports because per the settlement agreement YOU ARE REQUIRED TO DO SO!! 

If we can not reach an agreement, I am prepared to file a civil suit against your company. This is my 3rd complaint through the CFPB and I have given up on reaching out to you via mail because you do not respond to my direct mails. 

Again, I am prepared to settle this account but the account needs to be removed from my credit reports. I'm also prepared to contact my lawyer with all the correspondence sent to your company and my attempt to settle the account. 

It's so ironic how you weren't concerned with the FCRA to begin with which is why you are involved in a multistate lawsuit to begin with. Why the concern with the FCRA now? 

Again, I am offering to settle again for {$2500.00} as agreed upon in my Pay to Delete Letter but the account has to be removed from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried everything in my power to keep my home but i have been denied for all options except Short sale. After finally my agent found a buyer and submitted an offer for XXXX the lender rejected it and wanted a higher amount. On XX/XX/2018 a Counter offer to Select Portfolio Servicing was submitted and have requested the Short sell to be reviewed. 
When I originally submitted my short sell request the offer was not accepted and a counter offer was requested, I have provided all documentation requested from me to comply with the counter offer. I and my realtor have been in constant contact with Select Portfolio Servicing to check on the status of the short sell. After submitting all documents to Select Portfolio Servicing I was informed that the Short sell was declined due to upcoming foreclosure date of XX/XX/18. 
I have filed a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Select Portfolio Servicing not allowing for a proper review of Short sell. You ( Select Portfolio Servicing ) will not review any workout solution and you are now forcibly trying to foreclose my home without following the proper procedures. 
If you proceed with this foreclosure you will be violating Homeowners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Select Portfolio Servicing to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without providing a written explanation and a 30 day period to appeal the denial. 
Under the denial Letter dated XX/XX/18 I am still intitled to a 30 day to appeal or review. I have submitted documentation XX/XX/18 for review. If you continue with the foreclosure I will be committed to proceed with a lawsuit and fight this illegal foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-08-29
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX is reporting that I have a student loan from them which I have never applied for. I have sent letters to XXXX  and XXXX to remove creditor from my credit report because I am not aware of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: CITIBANK, N.A.
State: WA
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 made a purchase from XXXX XXXX for two pairs of glasses. They were not at all as described. I tried to return them but I would only get a partial refund. I completed a benefit request through Citi and they declined it because they said I was getting some refund. But Im not getting a full refund. Partial refunds to buy the same thing that is not as described is meaningless. Why offer credit card benefits to protect against these things if you really wont protect your customers? I wasted my time and effort across the board on this. I should be protected. The items not as described. I shouldnt even have to waste my time and effort on this. There are other credit cards and Im going to use those moving forward. But I want this issue resolved. Ive wasted some much time and effort that its ridiculous. Provide the customer protections on the card you say you provide!

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 2023-03-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The accounts listed below are inaccurate and incomplete. The presence of these accounts on my credit report is damaging and must be removed. I respectfully ask that this accounts be investigated and removed from my file.

Company response to consumer: Closed with explanation