BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-04
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/19, I received a letter from U.S. Bank credit card co. which I already have credit card accounts with. 
This was not included in a statement but in a separate letter. 
It saids if you sign up with your email address, we will give you XXXX  mile at no charge in 4-6 weeks. 
I highly doubt that they will but I decided to sign up to earn a XXXX miles which is pretty much nothing to earn any upgrade. 
However, I have not received any miles yet. 
So I called U.S Bank on XX/XX/19 to inquire about my miles. He transferred me to a supr.And the supr basically said I need to wait more time. He also put me on hold and tried to find any offers similar to that but nothing. 
I wasted my valuable time to sign up my emails but I still have not received any miles and I highly doubt that I will. 
Please have them give me XXXX  miles that I deserved.

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 2019-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
THESEARETHEACCOUNTSTHATISONMYCREDITREPORT1.XXXXXXXXXXXXAMOUNTXXXXXXXXDATEOPENEDXXXX2.XXXXXXXXXXXXAMOUNTXXXXXXXXDATEOPENEDXXXX3.XXXXXXXXXXXXAMOUNT:{$2000.00}DATEOPENEDXXXX4.XXXXXXXXXXXXXXXXXXXXAMOUNT:$XXXXDATEOPENEDXXXXINQUIRESXXXX/XXXX,XXXXXXXXXXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Square Inc
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Visa cash card in the mail on XXXX. I never requested this card. I do not use square or the cash app. The envelope it came in is addressed to me but the address is not correct. Top right corner of the card has $ XXXX which is unfamiliar to me and has my name on the back of the card. No contact info came with the card to call for customer assistance. XXXX company, unable to reach anyone via phone. Instructed to access app for assistance but I do not have an account nor wish to open one. Of course I am not activating this card but want to make sure my credit and identity is not compromised with this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company 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 2018-01-26
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
On XXXX XXXX, 2017, I noticed an inaccuracy with XXXX XXXX XXXX  My credit card statement showed a late payment XXXX 2017, which is incorrect. Upon my realization of the inaccuracy. I typed up a letter to Zales asking them to fix the inaccuracy or send me account statements with the correct address showing that my letters was going to the correct address and my payments were in fact received late. Zales have not corrected the inaccuracy, nor have they provided me information showing that my statements were received, going to the correct address, or showing my account detail information. Having this late payment for the month of XXXX  2017 is detrimental to my credit health and I would like it removed immediately. Please help me in getting this taken care of. This is not how our veterans should be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; ( Original Creditor : XXXX  XXXX   XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
i am disputing the four late payments reporting on my credit report from XXXXXXXX XXXX.i had never been late on those accounts and payment i demand that those late payments be removed.

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 2018-01-26
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient called me a while back telling me I had to sign up for one of there loans repayment plans set and what they think I should be paying even if I can not afford the payment or not and if I dont pay the amount they set I will be delinquent, I have done my best to ask them to let me pay back monthly at {$22.00}, they basically making it very difficult for me to afford even paying them back at XXXX something a month I can not afford that. So I have tried to make payments of XXXX dollars every month this is the first month so I place my bank info on their website like they asked and the first payment never went through so they sent me a letter via my online account with them, I tried to pay them again on their online portal using my bank info on the day of the due date they just email me saying I missed a payment and I am very frustrated because they are not willing to work with me, I will keep paying what I can and keep documentation of every payment I try to send and they dont accept online - I have worked very hard on fixing my credit and I will not allow myself to be pushed around by Navient not accepting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Alliant Capital Management LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/XXXX due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back on XX/XX/XXXX to  advise them I could not pay the {$900.00} on XX/XX/XXXX but I would have all the money by XX/XX/XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed {$1200.00} and paid {$250.00}. They are asking for {$3500.00}. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XX/XX/XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This alleged debt violates FDCPA regulations. I was only the authorized user and therefore not legally responsible for this debt. This collection agency is also violating Texas Finance Code 392 for incorrectly reporting this as my debt on all 3 credit bureaus. This company has failed to provide me written documentation where I signed up for this alleged debt and executed an agreement that I was financially and legally responsible to repay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and received an American Express clear card on XX/XX/2018. There was a 60 day 0 % interest balance transfer offer included. The entire reason I applied for this card was to transfer high interest balances. During the promotional period I attempted several times to transfer balances from other credit cards, including cards from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. The American Express system each time said it did not recognize the card as being from a valid issuer. Since these cards were all from major issuers, I assumed it was a system error and went back to try again. I am now outside of the 60 day promotional period and XXXX is saying I can not transfer a balance. I explained the technical issues with the representative when I called in, but she offered only an apology, with no solution. I let her know I would be filing a complaint related to this. I feel like this was a misleading promotion as the system they provided did not accept the cards from major issuers and caused a lapse in the promotional period that they will now not honor, even after explaining to the representatives the multiple online attempts in their system. I would like to be able to transfer balances in the amount of the promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Ad Astra Recovery Services Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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 spotted the account from Ad Astra on my credit profile and submitted multiple disputes based on incorrect information. 

They wrote me back and told me they had talked to their client and confirmed the information, but they have not provided me paperwork with my signature or confirmed the proper dates. The information is still incorrect and they have made no gestures towards fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal BANNED/CLOSED my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, I even verified all info needed for my account to operate as needed. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX Please help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
On XX/XX/XXXX Santander Consumer USA repossessed my XXXX XXXX XXXX XXXX while I was in XXXX, NC for work. I gave up the car willingly knowing communication would ensure shortly thereafter to recover the car. I had find another to get home that Saturday after my vehicle was repossessed. Weeks passed and I received no further communication from Santander. I did, however, notice changes to my credit report during those weeks. After researching about my rights at the suggestion of a local attorney I learned Santander did not maintain a legal repossession process. After my car was taken according to " O.C.G.A. 10-1-36 ( XXXX ) XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency '' Santander had 10 days to send me a Right to Recover Notice in which they would tell me what I needed to pay recover the vehicle and resume my car loan. To date no certified letters were delivered to me, no certified letters were signed by me ; therefore Santander violated my rights as a consumer to recover my vehicle. As a penalty of this violation the State of Georgia deems any balance deficiency void. Santander is reporting several different balances to all three major Credit Bureaus, XXXX, XXXX and XXXX. None of which are accurate, the only accurate balance would be {$0.00}. 

I sent certified mail to Santander on XX/XX/XXXX notifying them of their violation. They sent back letters in which the word certified has been typed on the letter, but no valid signature of receipt or tracking number was provided for these " certified '' letters. Once again, I am demanding Santander show me proof that a certified letter was received, signed and delivered to me regarding my right to recover my vehicle and resume me loan. Without a documented process to notify me properly of my right to recover Santander has no right to recover a balance for the car. They are well aware of my dispute of the reporting balances, therefore I am waiting until XX/XX/XXXX for this documentation to be presented to me. Without it I will proceed to file against Santander XXXX XXXX to the Georgia Attorney General for illegal business practices in the State of Georgia. I will not rest until they remove the false reportings of a past due balance from my credit reports. They are no longer are entitled to any deficiency balances, because they illegally processed and sold my vehicle without my knowledge or giving me the right to recover it in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2019-07-04
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and found a medical collection that is seriously effecting my credit scores. Universal collection Systems is reporting information that is inaccurate, This debt is not mine and is for someone else with similar name. I have made contact with the collection company whom has not validated that this debt belongs to me. I have not done business with Universal Collection Systems, below is the inaccurate reporting information.


UNIVERSAL COLLECTION SYSTEMS
XXXX XXXX XXXX XXXX | XXXX, TN XXXX 
Phone: XXXX 
Toll Free Phone: XXXX

Creditor Name
UNIVERSAL COLLECTION SYS


Account No.
XXXX


Original Creditor
XXXX XXXX XXXX XXXX  


Responsibility
Individual


Condition
Derogatory


Original Balance
XXXX


Balance
XXXX


Date Opened
XX/XX/XXXX 


Date Reported
XX/XX/XXXX


Remarks
Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/2018- Received notice from XXXX XXXX service that my TransUnion file had been accessed by XXXX. 
XX/XX/2018- Reviewed my TransUnion report on-line that noted a new phone number was added to my report and an errant address during the XXXX inquiry. I called TransUnion and the representative indicated he would remove the bad phone number. We placed a a fraud alert on my credit report. He advised calling XXXX to see if any account was opened. 
XX/XX/2018 Called XXXX at XXXX XXXX the representative indicated an account was not opened and we should file a complaint with ConsumerFinance.gov to have the inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Eagle Accounts Group, Inc.
State: NY
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:
I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.

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 2020-02-21
Company: Ballybunion Enterprises, Inc
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am writing this complaint because I believe Freedom Acceptance Corporation ( FAC ) has violated my consumer rights. FAC financed a fee called Voluntary Debt Protection Coverage ( in the amount of {$230.00} ) to my loan, in which I believe this product is in violation of the Military Lending Act ( MLA ). The another violation is of Fair Debt Collection Practices Act on this account, FAC was inaccurately reporting the balance of my account on my credit report. 

Timeline of Events : On XX/XX/2020 I saw that I had an outstanding debt with FAC in the amount of {$700.00}. 
On XX/XX/2020 I contacted FAC about this outstanding debt and they informed me that it was now with XXXX, a collection company. I knew the outstanding balance was incorrect and the interest they added to the loan was in violation of the Military Lending Act interest cap of 36 %. They were charging 56.19 %. 
On XX/XX/2020 I filed a complaint with CFPB ( Complaint number XXXX ) reporting this MLA violation on AmSher. 
On XX/XX/2020 XXXX responded that they would be returning the debt back to Freedom Acceptance Corporation. They also provided copies of my contract which shows that FAC financed in a product that is in violation of MLA. 
On XX/XX/2020 I contacted FAC and once again they have transferred my account to another collection agency, XXXX XXXX XXXX XXXX, as of XX/XX/2020. 

I believe I owe {$0.00} due to the fact that they financed in a product that is not allowed into this loan and collected 35.95 % interest on that product for the whole term of this loan. They also are inaccurately reporting the amount due on this loan to the credit bureau. In addition to they continue to transfer this invalid debt to other debt collectors.

Company response to consumer: Closed with explanation