BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I logged onto my online Santander account for my car and saw that they charged me a " miscellaneous '' fee of {$87.00} on XX/XX/XXXX with no explanation. This amount was deducted from the total monthly payment I made that day. As a result, this is very difficult to dispute with my bank because they did not take the fee until after they had the whole payment in their possession. I called their customer service number and they said that fee is from me " extending '' the loan " for one month '' back in 2017. The person who I talked to on the phone said she had no idea why I was charged this amount now and also said I would be charged this {$87.00} THREE more times and she did not know when I would be charged. 

I demanded to see the paperwork that I signed in 2017 and she said Santander is unable to provide it because of my electronic signature. She said I would have to look at the email that they sent me two years ago. I looked at the email but the link in the email no longer works.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
REPEATED telephone calls from Portfolio Recovery Services. 
Account information shared with my girlfriend, not spouse. Did not ask her to verify that she was married, nor if she had permission to discuss my accounts. They freely shared my address, date of birth and full name, date account opened/closed, balance info, etc and then ASKED HER to confirm its accuracy. 

Saturday XX/XX/2020 - ( XXXX ) XXXX *Missed called, attempted to return but 'call not be completed as dialed ' Tuesday XX/XX/2020 - ( XXXX ) XXXX *Spoke with rep, informed there would be a return phone call once research was done regarding the debt Thursday XX/XX/2020 - ( XXXX ) XXXX *Spoke with rep informing of Tuesday conversation and that no further discussions would occur until personal research was completed Friday XX/XX/2020 - ( XXXX ) XXXX *Missed call, attempted to call back but 'call can not be completed as dialed '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hey in Last year send all documents to credit bureau never got any response back items still remind on my credit report by law after 30 day 's no response company supposed remove items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Consumer Adjustment Company Incorporated
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XX/XX/XXXX 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2020-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It's XX/XX/2020. 

I have not received my XXXX Statement and My Payment is due on the XXXX. I did not receive my XXXX Statement until XXXX. I contacted SPS about previous late statements before XXXX. The Statements are still pushing the Payment Date real close. All I get for an answer is it's the Post Office. This is not my first complaint. In My previous complaint I addressed the late statements. They are still coming very late. 

God Bless, XXXX is wondering where the protection is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Navient Solutions, LLC.
State: NY
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:
Navient is misdirecting overpayments of my student loans. As I understand, for federal student loans, it is required that any extra payment goes first to outstanding fees, then to interest accrued since my last payment, and then to the principal of the loan. I have two loans with them ( subsidized and unsubsidized ). My monthly payments are made on time with extra towards principal each time. Their online platform provides two options to make a prepayment, direct an overpayment and specify for each loan. Each time I request that an overpayment be directed to one of the two loans using either option for prepayments, Navient ignores the request ( even though the monthly payment is paid in full ) and divides the prepayment equally among both loans. It is my preference to pay loan XXXX   consolidation off before the loan XXXX. My attempts to speak with Navient brought me to customer service people who were unhelpful and would not take my compliant over the phone. The misappropriation of payment has been consistent for at least the past 12 months. If the payment requests had been appropriated correctly the balance of the XXXX student loan would be close to paid in full leaving me with half the payment I am currently making. By offering the ability to direct payments and then not honoring the directed overpayments is nothing more than deceptive and unfair. If Navient considers this one loan then they will likely force me to get a payoff letter for XXXX and just move the balance to credit cards which do not want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have enrolled with a credit resolution company to repair my credit. They went over the tactics that credit agencies or debt collectors will do in order to get me to pay the pay the debt I owe.

The credit resolution company I signed up with provided me a lawyer in case the credit agencies or debt collectors break the law. Allied Interstate has repeatedly been calling me non stop. I received 2 letters from them about 2 weeks after they started calling me. I have been logging all calls that I receive them. They never leave a voicemail and they never call from the same number. My lawyer explained that they are harassing me and explained my rights when it comes to harassment. They are now pursuing legal action against Allied Interstate for abusing the 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 explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: WI
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 have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they could remove these accounts from my credit report 1. XXXX XXXX acct # XXXX 2. XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 4. XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report. According to my credit report, the following accounts are listed as negative items : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXXXXXX XXXX Late Payment Account Medical XXXX Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX  XXXX XXXX XXXX Collection Account I dispute these items as inaccurate and not reflective of my creditworthiness. I believe that the information on my credit report is incorrect and unfairly damaging my credit score. I request that you investigate these items and remove them from my credit report if they are found to be inaccurate. 

I would also like to remind you that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to report only accurate and complete information. If the items I am disputing are found to be inaccurate, incomplete, or unverifiable, I expect them to be removed from my credit report immediately. 

LAWA : Fair Credit Reporting Act ( FCRA ) Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion does not show last day payment for " XXXX XXXX XXXX '' account. I am request that Transunion deleted this off 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 2020-07-12
Company: CREDIT ACCEPTANCE CORPORATION
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:
Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes Credit Acceptance Corporation ( CAC ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state CAC has been actively pursuing collection of the above-referenced account. However, referencing a CAC letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my XXXX  report and lastly, page 3 of my XXXX report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile.

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information.

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting CAC remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.

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 2019-10-28
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This agency has refused to provide documentation of the so called defaulted loan. They continue to report inaccurate and false information about a debt that does not exist. They have violated my rights as they continue to garnish my wages without ever submitting adequate documentation to support their claim nor was I ever offered an opportunity to dispute the debt. They immediately began to take my wages for debt that I do not owe. The data that is listed on their website about this apparent debt doesnt even make sense. After several recorded conversations two reps have admitted that they cant send documents that dont exist.They continue to violate my rights and steal my wages.

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 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX statement credit bal of XXXX was because this bank if you have autopay and have XXXX bal still takes auto pay from your ckg account. Called them they sent a ck for XXXX and also credoted my account which of course made me have bal ofvXXXX om my acct. Then my autopay was cancelled by me in XX/XX/XXXX when i found this out this basically was all goofed up so i thought i didnt have a balance was on vacation for 20ndays when i gotnhome i tried to straighten this out over phone pd bal plus late fee now they have reduced my avalable credit down to XXXX . Very unhappy with this bank and how they reduced my credit down to XXXX. And have 2 late pymnts on my record because of this mess. They sent me ck and credited my account, didnt they know this happened in their records.

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 monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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*BalanceOwed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXXBalance Owed : {$49000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XX/XX/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

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 2020-07-24
Company: Experian Information Solutions Inc.
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:
I called Experian to get something removed from my credit due to XXXX  of my husband from XXXX. Instead they requested late payments to be updated. I never told them to do that. This made it look like i was just on a payment and I was not. It was disputed due to XXXX related issues.

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 2019-10-28
Company: Volvo Car Financial Services U.S., LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been a long time customer of Volvo and Volvo Financial Services over the last six ( 6 ) years and three ( 3 ) vehicles. During that time, I have never had a late payment or negative mark of any kind on my credit. However, when upgrading my lease from my second lease to my third lease, Volvo Financial did not update my current Volvo Financial portal account as it had done in the past. This meant that my auto-pay settings from which all of my previous payments were made never rolled into the new lease ( as had been done in the past ) and the automated payments that I had relied upon in the past were not made. As a result, no payments were submitted for two months which lead to a 30-60 day non-payment event on my credit report. In addition, no attempt was made to contact me in order to let me know that the third lease was behind in payment. It was only when I tried logging into my Volvo Financial Portal account did I realize that my original account was deactivated and I would need to register a new account for the new lease ( a step that I did not have to take in my previous two leases ). Once I registered for a new account, only then did I see that my account was two ( 2 ) months past due. Upon realization, I immediately paid the outstanding amount and set up a new auto-pay. This new requirement for creating an entirely new Volvo Financial Portal account for each lease was not made known to me until it was too late. In fact, when I spoke to my Volvo Dealer at the time of the third lease, he told me that I would NOT have to update my Volvo Financial Portal account. I followed up with him after learning this and he and his team were completely unaware of this new requirement. Volvo Financial has been a wonderful leasing company and this situation does not change that opinion. I realize that I represent a bit of an edge case ( three sequential leases ), but still believe that I shouldn't be held responsible for a change in their technology platform impacting an auto-pay function that was set up and working for the first two leases. Hopefully, this story helps anyone working with Volvo or a customer of Volvo Financial avoid this situation.

Company response to consumer: Closed with explanation