BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: AES/PHEAA
State: PA
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:
Back when I joined the XXXX and I heard about this program I switched and reconsolidated my loans back in 2014. I filed out all of the paperwork and continually followed up to make sure everything was processed and all set to which I was informed that I was. Then as I continue to pay after a year and I receive the annual income verification, I find out a year later they never processed my original with my application and my last years worth of payments didnt count. So I fill it out and they finally process it and change my account. Then I continue to pay and check in again to make sure and then they ask for my employment again and they havent counted any of my other payments. I process that paperwork ( meanwhile all these processes and changes take months and you forget about them ... ) and they dont seem to backtrack. Ive gone through so many hoops since 2014 to get this right and after four years with this company they have only counted TEN of my 120 payments. There were months where I was overpaying and no one notified me. I was on the phone with a lady and she said I had 40 qualified payments yet my account only shows 10. They are horrible and dont know what they are doing and cant process or manage accounts. There were months I would pay and the balance wouldnt even go down at all. XXXX is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
My Bank of America US Pride Credit Card went MISSING!!! -- so i did not make any of the charges currently on the card. I have already reported the card missing many months ago, and so these UNauthorized charges should NOT be on my account still! Moreover, I was told upon reporting this that " Visa 's Zero Liability Policy guarantees that customers would not be held responsible for unauthorized charges made with the account ''. So the fact that this still has not yet been fixed is a breach on policy.

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 2019-05-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 had a voluntary repo and since then, the full amount of the vehicle was placed on my credit report. I know typically the vehicle is sold at auction, but Nissan is reporting the full balance to my credit reports which is incorrect. I don't recall receiving anything from them in terms of what the vehicle was sold for in the time that's allowed for the state of GA. For that reason, I feel it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Pathfinder Credit Services
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
False Alligation claiming that I attended a school in that they have evidence showing that I attended this school which indeed is false I live in a whole different County!!!! I have proof that I never live in that county they stating I attended school at. I have been a victim of identity theft And willing to seek legal reputation if this matter isnt drop. I never attended The XXXX school before they have been harassing me for years they call me a few years back stating I had also attended a program in XXXX XXXX Florida before im sick of being harassed by this company and want them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I sent a debt validation letter via certified mail with return receipt to ARS Account resolution at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and ARS Account Resolution has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX I received a collections letter ; Paypal sent them the account set up in my name with my information. The fraud occurred in XX/XX/XXXX. I spoke with the collection agency and with payapl reps. Paypal would not comply with my requests, but finally I was told that there would no longer - never be - another account with my name. 
I filed with the FTC - ID Theft, following all their recommendations. One such document asked for information on the transactions they -Payapal - processed ; no reponse. 
I spoke with someone in the ID Theft center and followed his instructions. I have seen no charges to me but I would still like some information as to how this happened. This is the SECOND time my ID has been stolen/used with paypal. The first being in XXXX, when I spent much time and effort clearing the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Avant Credit Corporation
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:
I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, Avant negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, Avant has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XX/XX/2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that Avant stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to Avant to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PRESTIGE FINANCIAL SERVICES 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:
My experience with Prestige has been terrible even though my car loan was current for the last 60 months of my car loan. I experienced late payments with Prestige as early as XX/XX/XXXX due to being unemployed. I was able to get back on track and kept the payments current until it was paid off in XX/XX/XXXX. I paid all of the high interest and even at the end of my loan in XX/XX/XXXX I still owed {$5600.00} which I provided them with a check and paid the car off. Prestige had not reported a late payment any late payments since XX/XX/XXXX. Well that all changed when I paid off my car loan. Here are the chain of events. 

*Account opened XX/XX/XXXX XXXX date of delinquency reported by Prestige Financial Services XX/XX/XXXX *Account brought current XX/XX/XXXX and never reported late again by Prestige Financial Services to any credit bureau *Loan paid in full at the end of loan XX/XX/XXXX total paid {$5600.00} XXXX XXXX Prestige Financial Services update my credit reports with updated information regarding my account status. Status updated by Prestige DEROGATORY PAID WAS 90 DAYS PAST DUE *Credit Bureaus have since updated my account as Negative with a late payment made in XX/XX/XXXX with an anticipated removal date of XX/XX/XXXX Why is Prestige Financial Services allowed to report negative information in my credit file once I pay my loan off in good faith? Why is this company allowed to report negative information from XX/XX/XXXX until XX/XX/XXXX? How is derogatory information being reported for longer than 7 years? 

I have contacted Prestige and have encountered unhelpful employees and it turned out to be a horrible experience. As a consumer who has paid their loan off in good faith, why am I having to deal with this? Why hasn't Prestige removed the information from my credit file all together when the loan was paid off in XX/XX/XXXX? I have been disputing this information for a year with countless of letters to the credit bureaus and emails to Prestige with no resolution. It will be 7 years in XX/XX/XXXX in which this company would have been reporting derogatory information on my credit report regarding this loan. There is no reason for a company to add negative information to someone's credit file after the loan is paid in full. This is unfair practices and my last final recourse will be a civil suit if we can not come to a resolution and have the account removed all together. 

How is this action by Prestige legal or even moral for that matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was told the vehicle that I had technical problems that cause me an accident and which the vehicle should have been totaled. I was charged exorbitant an extremely high interest rates and taken advantage of as a XXXX XXXX  veteran who has had multiple XXXX XXXX  Chrysler Capital Santander I took total advantage of my situation and my lack of knowledge based on the multi-state class action lawsuit to which they repossessed my vehicle these things will pointed out in the class action lawsuit of lightning happen and my situation and they will not remove it from my credit report after contacting them disputing this with the Credit Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: PA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Danco Financial Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. XXXX still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: OneMain Finance Corporation
State: IL
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, ONEMAIN FINANCIAL, is currently showing XXXX  days late on XX/XX/2015. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE COMPANY XXXX  XXXX FALSELY CLAIMED TO BE REPRESENTING THE CREDIT CARD HOLDER HSBC TO COLLECT A DEBT. THEY THREATENED TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY ORIGINALLY TOLD ME I NEEDED TO PAY {$1500.00} THEN THEY SAID I HAD TO PAY OVER {$3000.00} BECAUSE OF COURT FEES BECAUSE THEY WERE FILLING SUIT AGAINST ME. I MADE 4 PAYMENTS TO THEM OF {$110.00} OVER 4 MONTHS, THEN I RECEIVED CALLS FROM THE CARD HOLDER SAYING THAT I HAVE NOT BEEN PAYING THEM AND THEY WERE READY TO SUE ME IF I DID NOT MAKE PAYMENTS TO THEM. THEY INFORMED ME THAT THEY WERE NOT GOING THROUGH A DEBT COLLECTOR TO COLLECT MY ACCOUNT AND DID NOT KNOW WHO APE FINANCING WAS. THE CARD HOLDER WAS UPSET WITH ME AND POSTED ON MY CREDIT REPORT AND IT DECREASED MY CREDIT NUMBERS. THE CARD HOLDER, MY BANK, THE XXXX XXXX XXXX AND MYSELF HAVE NOT BEEN ABLE TO GET IN TOUCH WITH ANYONE AT XXXX  XXXX. THEY HAVE RECENTLY BEEN CALLING AND HARASSING ME AGAIN BUT WHEN I CALL BACK I CAN NOT REACH THEM. I FOUND THEM ON THE INTERNET AND THEY HAVE SCAMMED OTHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX, I had a legal name change through the Court. I changed my first, middle and last name. I have a new REAL ID State Driver License, Social Security Card, bank account/debit cards, utilities and even my phone account in my new legal name. I have XXXX  American Preference on file with the XXXX XXXX XXXX XXXX, a Certified Degree of XXXX Blood card through my respective XXXX XXXX ( issued through XXXX XXXX XXXX XXXX also ), tribal membership, United States voter registration, Tribal Voter Registration, my State hunting and fishing license all also in my new name - all issued with NO PROBLEMS. I've even had an OSBI criminal history check successfully submitted for housing application with no issues ... ... ..Yet even after all that - the credit bureaus, since XX/XX/XXXX, have refused to update my information. First they told me that if the Social Security Administration has my new name on file and I have the new card with the new name, then I have no problems. Then they told me that is not true. Now I can't do anything - even get through their phone systems, as they all blocked my number and told me I have to write in to do anything from now on. They have refused to update my information repeatedly, and this has gone on for 8 months with no resolution. I have written letters and submitted complaints with absolutely no response. In addition, there is incorrect information on my reports, names that are NOT me and things I never applied for on my credit reports, but because they have blocked me from calling them, I can not do anything to protect myself at all. One credit report said I applied for a credit card in XXXX - and I have not. Same one also said I purchased a vehicle through a loan in XX/XX/XXXX, which is impossible, as I am in bankruptcy! Now I am worried about identity theft on top of it all and no one will help me a single bit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I opened a mortgage in XXXX with XXXX XXXX. At the time of the mortgage they opened a checking account without disclosing. We attempted to comply to the use of the checking account that we were unaware of as there was a baked in incentive of XXXX off the closing cost of the mortgage by maintaining the account. We had deposited XXXX into the account and never used it as there was no availability to ATM 's locally and we had an established checking account with chase that was meeting our needs. We continued business as usual, and were caught off guard when we received a notice in the mail that our account that we had never used had a negative XXXX balance! I immediately contacted the branch and they agreed to waive the fees as long as I paid back the XXXX dollars we received at closing. I obliged and paid the XXXX back because I no longer wanted to do business with the company. The branch informed us that our balance of checking went into negative because 5 transactions needed to take place monthly. We NEVER were informed of this. We had XXXX dollars in the account as per the mortgage officers instructions and simply thought it was funded and fine. They charged us service fees and overdrafts due to the lack of transactions. I paid the XXXX back and they credited the account. The account now shows on my Transunion credit report as a seriously delinquent account. The other two agencies ( experian and equifax ) removed the account properly but transunion has not. This has cause a deviation of over XXXX points between my score at trans and experian. This is unfair and not correct.

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 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with CAPITAL ONE AUTO FINAN XXXX Balance Owed : {$0.00}. I have always made my payments on time yet there was a 90-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation