BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Around XXXX XXXX XXXX XXXX di a hard request of my credit from Equifax. Since XX/XX/XXXX, there should have been freeze or alert put on my account, that day I founded out I was victim of identity theft and called all credit bureaus to freeze and lock my credit. Same day I filled police report also. XXXX XXXX was never authorized by me to access my credit report because I am happy XXXX XXXX customer and still have a about year left on my contract. This was unauthorized access by XXXX XXXX. The file could only been access with phone verification. None was done. Both companies failed its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I Received a notice via email from the Federal Trade Commission that I am to receive a refund of {$38.00} from a Class Action Lawsuit against XXXX XXXX. The payment was to be made by check or through PayPal. Since I had been a member of PayPal for about three years and had used the app without any problems in the past I chose to receive the funds through Pay Pal. On XX/XX/XXXX when the funds were released to be paid, I contacted PayPal to receive my funds. The request was accepted at first, and then later denied. I contacted PayPal Customer Service via telephone. I spoke to a representative who made a update to my account telephone number. I was then forwarded to another rep, but there was so much static and noise on the line and his accent was so thick I could not understand anything he was saying. I stated that I could not understand him and will call back. When I did call back I got a different rep and the line was clear. He told me that he could not tell why I could not receive my funds. After the phone call he sent me an email that stated I had to get a court ordered subpoena, or hire a lawyer to access my account information. I later received emails stating that I can no longer do business with PayPal, and that they will hold my funds for 180 days without explanation. After the 180 day period of time I should receive an email explaining what I need to do to get my funds. Their policy states that funds not picked up in 30 days will no longer be available. To add insult to injury, out of the {$38.00} there is only {$38.00} available now because they are charging transaction fees for transactions that never took place. PayPal will provide no information on my account, or why they are taking the steps they are taking to deny any information. I believe that the policies of PayPal are unfair to customers and ask that they be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I REQUESTED ANNUAL FREE REPORT FROM ALL 3 " CRA '' ON XX/XX/2021 AND BEEN OVER 45 DAYS HAVE NOT RECEIVED TO HOME ADDRESS

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 2020-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried for months to obtain the mortgage payoff amount from Select portfolio Servicing ( SPS ) and despite my numerous explanation that the correct amount need to be calculated and provided the company keep providing me the same quote. This company is a collection agency and just started purchasing mortgages from other companies without having proper staff and knowledge on how to handle mortgages. The staff do not have knowledge and there is no loan officer we can talk to directly. Every question takes 30 days to be responded to and there is no one I can talk to explain my problem with their responses. 
They have purchased my mortgage from XXXX XXXX 2 years ago and since then I have filed numerous complaints and have filed lawsuit against them which they settled with me outside of court. 
I have tried to explain to them that during first 5-10 years of 30-yr loan consumer pays the most interest on the loan which is more than interest that they should pay and eventually the interest goes down and more of the payment goes toward principal. For example, during last 3 years 70 percent of my mortgage payment has gone toward interest and only 30 percent has been applied toward principal. Now that I plan to payoff my mortgage all the extra interests that I have paid during last 3 years should be calculated and deducted from the payoff amount. However, this company does not understand the concept of loan and keeps quoting me the same principal amount without any further calculation. They have wasted 3 months of my time trying to go back and forth and there is not a single person that I can talk to that has enough knowledge of the loan process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Received auto loan with high interest rate from Santander Consumer USA XXXX for a 2016 XXXX XXXX. Made XXXX XXXX monthly payments for over 4 years. Original Loan amount was {$33000.00} and made over {$40000.00} in monthly payments. when I got payoff of loan and tried to work with company to resolve with account being paid in full. I went to sale the vehicle and suddenly car was repossessed from Santander Consumer Usa. I called repeatedly and was given the run around about the situation. They then sold the car for $ XXXX and now are telling me owe XXXX balance on vehicle. This would make the XXXX XXXX {$40000.00} in payments plus the XXXX received at auction plus the XXXX they saw now I owe {$76000.00} for a basic XXXX XXXX! In addition, I can't get another vehicle because they reported on my credit report as such. This kind of predatory lending has to stop as it is affecting consumers. I lost my job as a result of no car. I tried to resolve before the repossession. Additionally the attorney general have gone after Santander XXXX XXXX and has forgiven the loans and given titles to vehicles and removed the accounts from credit reports. I am asking that this account be removed from all XXXX credit reports at a minimum as this is unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: AC AutoPay LLC, Denver, CO Branch
State: MO
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 purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called AC AUTO LLC to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called AC AUTO LLC to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by AC AUTO LLC. Almost two years later Ac AUTO LLC reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named XXXX XXXX XXXX showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from AC AUTO LLC and it was over the XXXX  in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Acct number : XXXX Manager : XXXX XXXX XXXX XXXX XXXX XXXX Black vin- XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. 
I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with AC AUTO LLC.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a US Bank Visa gift card today. I went home to register the gift card at prepaidgiftbalance.com, but it said my account was locked and to call. I called the number on the back of the card XXXX and the rep said my card was compromised and to fill out the form at the bottom of the website, " Card not working? Click here to begin the process Click Here. '' I filled out the form, but it said, " Your request can not be completed at this time. Please contact the number on the back of your card. ''

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 2020-05-28
Company: Experian Information Solutions Inc.
State: VA
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 attempted to resolve the issue of having fraudulent information appear on my credit report for a XXXX  XXXX XXXX credit card several times. The issue is that, at the time the account was opened ( XXXX ) I would have been too young ( XXXX yrs old at the time, born in XXXX ) to be a co-applicant for this credit card. My latest dispute was filed thru Experian on XX/XX/XXXX after contacting XXXX  XXXX XXXX. The account has recently been closed by XXXX  XXXX XXXX with an outstanding of over {$10000.00}. This is effecting my credit report in a negative manner and I have a security clearance to maintain.

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 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a notification about a XXXX transaction for {$800.00} and another transaction of {$200.00} on my account which I did not authorize. I have never used the app for anything more than {$50.00}, I do not know the receiver neither did I authorize this transaction. 

I called Capital One immediately after receiving this transaction notification in which they filed a dispute and opened a investigation. A hour or so later they called me back stating the claim was denied and they are choosing to end their relationship with me. I tried to understand why, however I received vague replies with no remorse to what this could cause for me. 

I work for a huge Oil and Gas Co., I am a XXXX graduate student, I would never commit such a thing, and my bank did not back me up, instead they pointed a finger and left me feeling undervalued and un worthy of their financial protection which they promised to give to all customers. I spoke to several managers who also did not give me back a response only want to end the conversation. I am shocked at Capital One treating their customers in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have already brought this matter to your attention and I expect a response from the Bank of America by XX/XX/XXXX. One of the problems was that I could get the bank to freeze the XXXX XXXX account, because the branch of Bank of America has an invalid fax # and there was no way to reach anyone at that branch, as it would take at least 90 minutes to get through their phone line. Due to the b ank 's gross negligence, that bank is effective a partner in crime. There are at least a dozen law enforcement and regulatory agencies investigating this and major issue seems to be which ones have jurisdiction and the fact that once a subpoena is issued to see the paper trail in this account, it will be obvious to everyone that the scammers have been doing this since at least XX/XX/XXXX. Moreover, at least one of the scammers returning to this sort of scam as soon as the Department of Justice released him from 30 months in a XXXX XXXX. Had the Bank of America provided even basic cooperation in XXXX, this could have been taken care and perhaps the other victims would not have to go one-by-one to get this fixed and the money returned. There is a 4 year statute of limitations on fraud and I am anxious to take care of this long before the statute tolls. 

It would help if the CFPD would provide an email address, not the no reply variety, so that I would have to open up a new claim, when an update would do.

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 2023-05-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Filed a dispute with all three credit bureaus on XX/XX/2023 they had 30 days to respond and they did not so I'm asking for a deletion under the federal Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Shellpoint Partners, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Shellpoint they have been billing me an additional XXXX Every month since 2015 for insurance on a home equity account and I have my own home owners insurance. They first claimed we had bankruptcy which we never did now they changed it to home owners insurance. They owe us back pay since 2015. Our loan has been increasing and it took me all this time to find out why. I had my insurance representative on a three way call and then they denied that we were being charged for insurance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
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:
Earlier this year I attempted to log into my XXXX  account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Kriya Capital, LLC
State: MI
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:
They have violated the FDCPA. They did not provide adequate validation of this debt. 
I have all communications in writing and everything was sent certified mail. I tried to upload the documents but it would not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have used paypal credit for years. This year I made a bigger purchase. Upon sending my payments Synchrony bank would send them back. Then charge me late fees and interest. I personally called and was told that they credited a old account and would rectify it. This is still happening and I just recieved another check from them after they cashed the {$300.00} payment that i made. My records show that I owe about {$1000.00} less than what I'm being charged. This is a simple fix however since I was straight up lied to as it still continues. Knowbody taken the appropriate action to fix their mistakes. Instead I'm still getting overcharged and having to babysit every payment has taken alot of my time. My records show I've always paid on time and have continued too. They also show the great deal of diffrence in what I'm being charged. This has been brought to their attention every month but have gotten no help just continued fraud. I also recieve non stop calls even Sundays at XXXX as well as text messages asking for payments already made. They refuse to be of any help or show their moral, ethical and legal obligation to fix their mistake. Please help. 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 monetary relief
Consumer complaint received 2018-12-12
Company: CITIBANK, N.A.
State: MO
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:
Citicards called and wished to schedule a payment which i hold two cards with citibank. 
I specifically told the agent schedule both payments for Friday. They agent said yes but instead one charge was made for the same day and one setup for Friday. This caused a insufficient fee to my bank account and i called back to inform them to refund they money plus the insufficient feed which caused me financial harm. They stated they would not refund the overdraft charge.

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