BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have tried to pay the lease amount for the month of XX/XX/2018 but there was GM website error that showed XXXX $ due that let me to understand that there still time to  pay. 

Also GM Financial did not report to credit bureau every month due to some convergence issues. I have been monitoring my creit report every month for past 6 months and this did not show up. I also did not get a curtesy call from GM that my payment was late. 


Considering all these issues, I request GM Financials to help remove the latepayment as a onetime curtesy due to these errors

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CAPITAL ONE AUTO FINANCE The address listed on the credit report is : XXXX XXXX XXXX XXXX, TX XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Capital One Auto Finance have NOT removed this account from my credit reports, or have sent me any kind of validation.

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports.

Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I AM TRYIGN TO PROCESS A PAYMENT WITH XXXX TO MY LANDLORD THEY WITN ACCEPT MY NEW DEBIT CARD I MESS THEM EMAILED TEM CALLED THEM AND THEY HAVE DONE NOTHING TO FIX THEY SAY ITS MY BANK WHICH IS XXXX XXXX BUT THEY PROCESS A PAYMENT TODAY WITH SAME BANK DIFFRENT ACCOUNT THEY SAY THEY NEVER TRIED TO PROCESS PAYMENT XXXX XXXX XXXX THEY TRIED 11 TIMES I MESS THEM AND TELL THEM HEY IF I CANT PROCESS PAYMENT AM GOING TO INCUR LATE FEES THEY SAY WEREN'T PAYING THOSE AND FOR LAST 2 HOURS ASKING THEM TO FIX ISSUE ALL THEY TALK ABOUT I SLATE FEES THAT I HAVE YET TO INCUR THEY KEEP TELLING ME CALL MY BANK BUT I CALLED XXXX XXXX THEN THEM ON 3 WAY AND THEY HU CALL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Solomon and Solomon, P.C.
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: Account information incorrect

Complaint:
I wrote to the company on my credit report SOLOMON & SOLOMON P C with an Account Type as collection, Status Closed and Paid. I asked them to remove this from my reports and to show me evidence that I have a contract with them. I wrote to them from XX/XX/2018 and to date I have not received a response. I would like this negative to be removed from my credit reports as it is causing a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed a collection that hit my credit report to Equifax on XX/XX/XXXX. It is from XXXX XXXX for a XXXX bill for {$150.00}. I have filed a complaint with the company as well. Equifax responded back on XX/XX/XXXX stating the account is verified. How? I have an account with XXXX and still have cable so this information is wrong. Ive had multiple companies try to put this XXXX account on my credit. I was given no notification that this would be back on my credit. Nothing had been sent to me regarding how this information is correct. This account is not mine and it has not been validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Do not have any knowledge of this Credit Account on my XXXX  and XXXX  credit file to Original company XXXX XXXX. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Olympic Collection Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Explanation of complaint : This XXXX  office, XXXX XXXX XXXX XXXX, never sent me notification of payment due after billing my two insurance companies. In fact, they claim this was a running balance even though I was back in the office for a repair of a crown, because of shoddy workmanship, and they told me I had a XXXX balance. I was recently ( XX/XX/XXXX ) served a summons for a lawsuit for a principal balance of {$160.00} which has now ballooned to {$440.00} including court fees. I was blindsided by this and contacted the XXXX  office who confessed they had an incorrect address on file and never called to resolve this. I updated the address with them, when it changed in XXXX, but they inputted the wrong zip code. Because of this I now owe a {$440.00} judgement. Please see attached. 
The address they had on file was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ... the correct address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. They either forget to change the zip code from my previous address, which we had all mail forwarded to XXXX address, or simply inputted the wrong zip code. 
At any time we could have been contacted by phone to resolve this issue but we were never contacted. The collection agency said the left a message, which I never received and sent a mailer which I also never received. I do not have any accounts in collections this has affected my credit report severely. And the XXXX  office manager and account manager say they can do nothing but refer me to the collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Harley Davidson Financial Services Inc
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company identified above only provided a response in request to the application of the payments. The premise of the complaint was based on the partial application of the monthly payments as the company was taking money that was meant to be fully applied to the outstanding P & I and applying partial of it to late charges every month therefore reducing the amount being applied to the past due P & I. Late can be satisfied upon maturity of the loan so it does not hinder the myself, the consumer 's ability to catch up on past due P & I. Why would a financial institution be allowed to satisfy their late payments before I can satisfy my past due P & I. IE. I I pay {$200.00} towards past due P & I and they only apply {$170.00} to past due P & I and the remaining to their late fee. This does not sound consumer friendly. Per the CFPB Loan Servicing guidelines. you can not pull late fees from a monthly payment to satisfy any fees incurred prior to satisfying past due payments. Which is therefor reducing the amount of monies being provided to catch up any past due payments. If you look at the application of late fees and total the amount they have reduced trying to catch up monthly it would drastically reduce the amount past due and would allow me to bring my loan current. Fees as high as {$55.00} were deducted from my monthly payments when trying to catch up and this has been happening on a monthly basis for more than 6 months now. The company has flat outright lied to you as the original breakdown we previously requested identified nothing that was provided by the compliance manager in the previous complaint. I am wishing for the reversal of late fees and those to be applied to the monthly outstanding balance to reduce the delinquent amount owed so I can satisfy and bring current. I am also requesting copies of all correspondence prior to this complaint to be upload in the system. This letter should be dated for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: WELLS FARGO & COMPANY
State: MO
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:
Long story short, account was not authorized after initial purchase, I closed account on two different occasions in which first occasion was not closed back in XX/XX/2016, where my brother charged on card again, I have never received a statement or phone call from Wells Fargo in which they stated to me that they can only send bill to one person and have one address on file.. I made sure tha after second purchase card was closed and I made them send me proof this time.. my brother recently filed bankruptcy that I didnt know about til my credit score dropped over 100 points.. I have tried to file two separate disputes with them and they have never gotten back with me and all I see is they put in my credit report that it is resolved and I disagree.. I have to have some rights here, I have even told them I would pay it and they said it didnt matter it would still stay in my credit as a paid collection ... I pay my bills and stand behind all purchases even tho this balance shouldnt be allowed because the account was closed before he charged on it again.. I want this off my credit report, on my report is is showing up under XXXX XXXX XXXX.. Wells Fargo has to have  certain policies in place and they need to return phone calls, horrible company and should be shut down.. this file has been transferred to three different executive office members of Wells Fargo and I havent got one phone call..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Navient Solutions, LLC.
State: FL
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:
I was told to get a forbearance, I dont want a Forbearance I work with the XXXX XXXX and can only afford a small monthly payment, they wouldnt let me get a payment that I can afford and forced me to stay in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I have been making payments since XX/XX/2018 and they still are showing my loans in the deliquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a Dispute with Synovus Support concerning three ( 3 ) fraudlent transactions. I had been asked for proof concerning one ( 1 ) of the transactions. ONLY one of the three ( 3 ) transactions. I then provided that requested proof. 


On the XXXX I called Synovous Support and learned that they had taken funds from my account claiming they denied one of the other two transactions because the original rep made a misatke and ALSO listed that item as though I had needed to send in proof for it even though the rep had NEVER asked me to! 

The disrespectul phone rep I first spoke to on the XXXX kept dodging and ignoring me EVERY time I stated this made NO SENSE and that it was an error. She kept simply repeating " You will need to submit the proof you were required to '' and " but it is unlikely the dispute will be reoppened anyway. ". 

That was INSANE! 

She kept ignoring me and repeating the above like a broken record until I asked for a Supervisor. 

She then simply hanged up on me! 

No repsect what-so-ever. 

It is not my fault that the original rep made a mistake, and I did not deserve this treatment from Synovus ; 's rude staff! 

It is clear they have no interest in even admiting their staff 's mistake, even less addressing and correcting it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Saturday XX/XX/2022 I deposited a check from XXXX retirement for {$2300.00} and none of it was made available same day nor was it available the following business day XX/XX/XXXX. I spoke with a few people whose names I don't recall. I spoke with two agents on Saturday XX/XX/XXXX by phone at around XXXX then I spoke to someone named XXXX on Bank of America 's chat help via XXXX.The phone agents first advised me the money would be available the following business day then I asked about the timframe that I got from the automated system when I called in which informed me the money would be available on XX/XX/XXXX. The agent then confirmed that was correct. So it seems Bank of America doesn't have a clear timeline and is holding my money unnecessarily for an excessive amount of time when I have things that have to be paid now! The check is from my retirement funds so obviously it's needed now! Withholding my funds has caused my bank account to go negative and I have XXXX money for anything else.As of this morning Bank of America 's virtual assistant shows the funds will be available on XX/XX/XXXX. If I had taken the check to XXXX to cash it I would have had the money in my hands the same day. This is a ridiculous process and a complete abuse of power by banks. 

Make my money available yesterday! and waive any overdraft that occurred due to this excessive hold.

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 2022-08-10
Company: SinglePoint GI
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After General Revenue Corp verified the debt they claimed I owe, I sent them a debt settlement letter ( attached ) and they have yet to respond. The letter was sent XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Student Loan Financial Assistance
State: NC
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/19, I received a call from a number that said I was eligible for loan forgiveness because I'm a XXXX  XXXX XXXX ( which I am ). I called the number back because I have heard of this program, and I was interested in more information about it. The man on the line told me that my federal loans were sold to a private company, XXXX XXXX, and that XXXX XXXX was charging me much higher interest than I actually needed to pay so that XXXX XXXX could profit. They told me that their company, Student Financial Loan Assistance, was connected with the Department of Education, and I believed them. They gave me a timeline of payments ( 3 payments of {$390.00}, 9 payments of {$200.00}, 120 payments of {$99.00} ). I gave them my bank account information and at their behest, cancelled my auto-pay with XXXX XXXX. After I considered this for a couple weeks before realizing ( luckily before it was too late to make a payment to XXXX XXXX ) that this seemed really suspicious. I contacted XXXX XXXX XXXX, and they essentially told me it was a hoax. My case number there is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: GA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
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: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-08-10
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company CB/NY & CO XXXX , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
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: Their investigation did not fix an error on your report

Complaint:
I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XXXX  and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all 3 credit reporting agencies regarding this matter.

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