BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I Refinanced my Discover Student Loan. My new lender XXXX XXXX   issued five ( 5 ) checks to cover the five ( 5 ) loans. One check was for {$13000.00}. and Discover Student Loans only posted {$10000.00} to my loans. ( difference {$3200.00} ) Discover is unable to tell me where remaining money was posted to. 
They keep telling me the check was {$10000.00} ( which is amount they posted ) However, we have original copy of check and the amount was {XXXX}, XXXX. We have uploaded a copy of this check to Discover to prove the amount of check. 
I have called three ( 3 ) times to get this resolved. I was assured that this was being sent back to be reviewed and would be resolved in 3-5 business days. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
They all assured me that they are sending this back for review and should only take 3-5 business days. Still not resolved. 
Today I received email from them to inform me what the current payment on balance would be. Plus they added interest charges on this {$3200.00}. 
The five ( 5 ) checks that XXXX XXXX issued to them were all cashed by Discover in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one has allowed I believe 9 credit cards to be opened in my name over the course of 9 years due to identity theft. 
I had to sue them twice back in XXXX and XXXX for accounts that upon receiving a valid police report and identity theft report, they still claimed it was mine. Upon sueing them, after their 7th investigation, it magically turned out it wasnt mine as i was stating all along. They settled those and the federal lawsuit was withdrawn regarding FCRA Violations. 

Here we are again, in XXXX apparently more identity theft linked accounts opened. I sent the police report and identity theft affidavit to them, and i got the response that it was mine. I sent it 6 months straight and got 6 straight answers. Finally after sending notice of claim for a lawsuit to their ceo and presidents office, they conducted an investigation in XX/XX/XXXX and in XX/XX/XXXX, it was determined that infact, those accounts were NOT mine. They have for a third time violated my rights under the FCRA. 

I want to seek actual damages, statutory damages, treble damages and punitive damages as capital one seems unwilling to obey the law and properly negotiate and compensate me for their repeated violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The accounts below are closed and PAID. They are reporting on my credit report and I want them DELETED. I dont owe any money on these accounts and they are reporting negative on my credit report and I want these accounts removed and DELETED. Also, they are not reporting on my XXXX or XXXX. 

XXXX ACCT # XXXX Highest Balance : {$2200.00} Balance : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX  ACCT XXXX XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX  ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest XXXX : {$1700.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance XXXX {$3000.00} Balance Owed : {$0.00} XXXX  ACCT # XXXX Highest Balance : {$6000.00} Balance Owed : {$0.00} XXXX ACCT # XXXX Highest Balance : {$3500.00} Balance Owed : {$0.00}

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 2020-10-28
Company: OneMain Finance Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I went to file for a loan. but when I look at why ot denied it says all my information is corrsct amd veriified except my name.. But it is correct so I got alot of inquiries saying my name was wrpng so I got denied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The statement stated that I had to pay a certain amount in order to avoid accrued finance charges, which I paid. 
The statement is not clear, because I have three promotional statements, and because I only paid the full amount for what I read, the minimum for the other two accounts were taken from the monies that were allocated for the first promotional statement, leaving it short a few hundred dollars, which as a result, accumulated over {$2700.00} in interest. 
The way the statement is presented is confusing so that consumers get tricked into not paying the full amount. If they look at the account, it clearly shows that the intention was to pay in full and avoid the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card
Issue: Other

Complaint:
A few days ago the author of this complaint ( sometimes hererin the " Complainant '' ) received a letter ( the " HSBC Letter '' ) dated XXXX XXXX, 2016 from HSBC Bank USA NA ( " HSBC '' ) informing the Complainant that my HSBC Platinum MasterCard Account With Rewards ending in XXXX ( the " Account '' ) had been closed by HSBC because HSBC had determined the Account had been inactive for 12 months or more. Immediately before the Account 's closure by HSBC the Account had more than XXXX Reward credits ( the " Credits '' ) credited to it by HSBC, the exact number of which is not now known to the Complainant, earned and credited the Credits over many years of usage of the Account by the Complainant. 

Upon Complainant 's inquiry to HSBC after Complainant 's receipt of the HSBC Letter HSBC informed the Complaint that the Credits had likewise automatically been canceled when the Account was closed. 

The Complainant never received any notice from HSBC or otherwise that the Account was under closure review for non-use for 12 months or more, nor, before the Complainant ' s receipt of the HSBC Letter, that the Account was sooner or later to be closed for non-use Had the Complainant received any such prior notice the Complainant would have made use of the Account 's credit card to preserve the Credits for Complainant 's use as and when chosen by Complainant. 

The Complainant asserts that HSBC has acted in bad faith in this matter and demands that HSBC pay to the Complainant in cash the current reasonable cash value of the Credits as determined in accordance with industry standards and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX. XXXX, 2020, WELLSFARGODEALERSVCS add a hard inquiry on my credit report perXX/XX/XXXX 
On XXXX. XXXX, 2020, XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX, 2020,XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I sent out letters to Transunion, XXXX and XXXX about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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 2021-10-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a Chrysler Town and Country with financing through Chrysler Capital. I returned the vehicle XXXX XXXX, XXXX with 4 lease payments remaining totaling about {$1300.00}. Upon turning in my vehicle I was told I would be responsible for paying the remainder of the lease payments and that I 'd be receiving a bill. A few months later I received a bill dated XXXX XXXX, XXXX in the amount of {$27000.00}. I called and spoke with customer service who said the amount was wrong and they 'd send another bill. The next bill stated they disposed of my vehicle on XXXX XXXX, XXXX and I owed {$2600.00}. I called again, and the next bill they sent had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2800.00}. The next bill I received was via email and had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2300.00}. Most recently I received a bill saying my vehicle was disposed of on XXXX/XXXX/XXXX and I owe {$2300.00}. There is also a discrepancy in the final odometer reading among the bills as well. During the last year I have received numerous calls from Chrysler Capital trying to collect on this bill, but due to the lack of accuracy in their record keeping I have not made a payment. I was told the amount I owe is not my remaining lease payments, but instead it is the adjusted lease balance less the realized value, meaning they sold my car for less than it was worth and that I owe the difference. I started keeping a log of all communication with Chrysler Capital XX/XX/XXXX because the amount of calls were excessive and unproductive, no one was able to give me accurate information. Many times I was receive calls and they 'd hang up when I answered the phone or it 'd only ring once and hang up. Since XX/XX/XXXX ( in 8 months ) I have received 25 phone calls, 8 of which were hang ups, and one email. I filed a complaint with " XXXX from the Office of the President '' which did n't actually solve the problem or stop the constant phone calls, and she no longer returns my emails or calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: The Outsource Group, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the E.R or urgent care some where in XXXX in XXXX, AZ. At that time I had XXXX and therefore covered by my insurance which is a government funded coverage. I never recieved a bill nor was I charged at the time of my care due to my XXXX insurance. Now in XXXX it show 's up on my credit report but yet never have recieved a bill in the mail since my visit to the E.R or urgent care visit.

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 2020-10-21
Company: EQUIFAX, 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 status incorrect

Complaint:
A delinquent debt with XXXX and XXXX that has been paid off since XX/XX/2020 and the credit bureau has not updated its records or deleted the debt per the agreement with the creditor. The creditor sent the discharge of debt over to them on XX/XX/2020 after the payment cleared and it has been 90 days and the credit bureau still has not done its due diligence and is not in direct violation of my rights under the FCRA & FDCA. I have contacted the bureau by phone, website and mail and they still refuse to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Receivables Outsourcing, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I previously filed a complaint with the FTC on XX/XX/2019 about this phone number. My complaint reference number is XXXX. I have received 2 more voice mails from this number since that date on approximately XX/XX/XXXX, and Again today, XX/XX/XXXX at approximately XXXX. 

Company has left a total of 3 voice mails on my phone. Although I know the individual this company is attempting to reach because we are a couple for over 30-years, I am not him. 

The message says that it is a personal message for the person the company is attempting to reach followed by an disclaimer stating if I am not that person I need to disconnect. Unfortunately, since the call rolls to voicemail, it does not disconnect. When I played the message for this individual, it indicated that by continuing to listen to the message that this was confirmation that I am him. Furthermore, it indicated it was an attempt to collect a debt and he must contact the company immediately. 

This individual and I are domestic partners and have a home and children together. As a result of the call, we went through our correspondence and conducted credit checks to see if either of us had any outstanding bills or blemishes on our credit. Neither of us did. All of our bills, including medical, are paid in full. In addition, no bills have been sent to our home, to either myself or him indicating a past due balance. Thus, I suspect this is either a scam or an error. However, because no correspondence has ever been sent to our home regarding past-due balances for anything, we will not be contacting this number. 

When I researched the phone number, I saw several comments about people receiving robocalls from this same number. All had similar issues. Some indicated when they called the number, the person answering started demanding all sorts of personal information, which is suspect. 

Furthermore, if any unpaid medical bills are due for either of us or our children, we would both expect to receive an invoice or correspondence from the entity that is owed the money indicating the date of service, the amount due, any adjustments or payments made, etc ... Not a phone call that relays suspect information and sounds like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls all the time about debt collection. This has been going on for many years but I have just ignored the calls in the past. I have checked my credit report thoroughly and I don't have any past due debts. 

The person on the phone said the company was Financial Asset Management Systems Incorporated and that his name was XXXX XXXX. The phone number was 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 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed the account XXXX ( XXXX XXXX ) {$720.00} with Experian and XXXX and the incorrect information is still there. I do not know who ( XXXX XXXX ) is. I have never signed an agreement with ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( {$460.00} ) with Experian and XXXX  and the incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX with Experian and XXXX and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist

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 2018-08-03
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18 and faxed our authorization to PNC. We have sent our authorization in multiple times since then, yet PNCs front end seems to have no access to the authorizations on file. They not only refuses to speak to us, but refuses to transfer us to someone that can speak to us.

This has been a trend with PNC over the last year on ALL our short sales they dont upload the authorizations so their front end can see them, then they refuse to speak to us on the short sales that we are CLEARLY authorized to speak on.

In addition PNC is REFUSING TO SEND US A PAYOFF DEMAND.

These are both violations of servicing guidelines and this needs to stop NOW. I want our authorization uploaded appropriately and I want a Payoff Demand with NO FURTHER DELAYS OR EXCUSES.

WHY is PNC being allowed to violate servicing guidelines??? WHEN is this going to STOP???!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: Select Management Resources, LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My complaint with XXXX is usury high interest rate that was n't on what I agreed with the officer did informed about the loan would be XXXX $ but when the loan was typed it was a totally different number at XXXX I never agree to this until after I realised this loan will never be paid off

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 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
HAVING ISSUES GETTING THIS ACCOUNT DELETED FROM MY CREDIT REPORT

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 2020-07-15
Company: Experian Information Solutions Inc.
State: LA
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 filed dispute regarding inaccurate information that is being reported on my credit file. I have not received anything regarding my dispute results which have been well over 30 days.

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