BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: NV
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:
Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from XXXX  and XXXX. Experian sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on XX/XX/XXXX.  However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive anything else.

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 2021-09-22
Company: EQUIFAX, INC.
State: IN
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:
I have sent letters to each XXXX, XXXX, and Equifax on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: CT
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 voluntarily gave a XXXX XXXX back to the bank after much hassle in speaking with them to pick the vehicle up. It's been about 3 months since they took possession of the vehicle and still continue to report an open account, thus increasing the amount and continuously reporting incorrect information on my credit report instead of stating that the account is closed. This is deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
A {$100.00} XXXX Gift Card I purchased at my local XXXX XXXX on XX/XX/22 XXXX was immediately deactivated by the time I logged in at home to register the gift card on XXXX. I went to back to XXXX XXXX to verify if they somehow didn't activate it, but they referred me to their gift card helpline at XXXX. I had to call the XXXX ( XXXX ) help line the next morning on XX/XX/22 since they were already closed. The XXXX help line said their system showed that the card was activated and authorized for the {$100.00} - Case # XXXX documented my inquiry to XXXX. 
I then called the number on the back of the XXXX  Gift Card XXXX. I spoke with XXXX giving him the last 8 digits on the back of the card, and he informed me that their fraud dept. had deactivated the card due to potential fraud. I explained that I just purchased the card last night, and I was not able to even registered the card on their website due to the site giving an invalid card number error. 
XXXX was only able to offer me a replacement card to arrive by regular mail in 7 to 14 business days. I mentioned to him if you're trying to avoid fraud on the card then expedite delivery of the replacement card through XXXX or XXXX not regular mail where it can be lost or stolen. XXXX responded they don't offer any other delivery method. He was not able to provide a case number or tracking number in reference to the replacement card. When I asked for a supervisor he hurried me off the call and hung up on me ignoring my concerns. 
XXXX  Gift Card company is making money off the {$100.00} that I can't use until the replacement card arrives. It is unfair that they not only make money off the {$5.00} activation fee, but now they have pocketed my money for 2 weeks. I have been greatly inconvenienced not being able to utilize the gift card to pay bills. This business practice should be unlawful.

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 2019-08-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My vehicle was totaled onXX/XX/2019. My vehicle was financed through credit Acceptance but was paid off by the other person insurance company in XX/XX/2019 in the amount of XXXX dollars which left me a balance of XXXX dollars. They closed and sent the balance to collections. XXXXXX/XX/2019 the company which is Credit Acceptance Corporation took XXXX from my account. I did not authorize this transaction nor have I spoke with the 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 2017-11-16
Company: Paypal Holdings, Inc
State: FL
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 Breached their contract with me on XXXX and illegally seized the funds in my account and gave me a bogus excuse saying my skincare items breach their user agreement when I check their user agreement there was no mention of skincare creams being banned from selling on their platform. With all this information XXXX still decided to hold my funds for 6months and now the 6months are up on XX/XX/XXXXPaypal still has my funds seized and my funds restricted I am only allowed to remove XXXX a month of my own money, I never gave them permission to use XXXX and Mis-Handle my funds they are breaching their contract because the 6months is over and they still refuse to release my funds!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX amount {$2000.00} and XXXX {$250.00} and XXXX {$2200.00} and {$1900.00} at nativent school went out of business or closed down and they spent my information to some school that is called aidvantage that I do not have any Knowledge of or did not sign a conTrac with aidvantage I feel like it should be discarded off all my credit reports its stop me from been able to get thing. And I also been disputing it off my credit and I also contact to the school about this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bank of America is collecting a debt that does not belong to me. I was a victim of identity theft. I currently have a default judgment put in against me and have not had a chance to provide the court with my police report and FTC report. In the summons ( attached ) for case XXXX, Bank of America provides a credit card statement that has a XXXX XXXX address that I have never lived at ( XXXX resident my entire life ). This debt was obtained fraudulently and I am now being sued because of it. They need to prove the debt is mine by a signed agreement from me, proof of me obtaining/using the funds, etc. If not, this is a violation of FCRA. I have already reported to the credit bureaus and put a fraud alert on all my reports. They then verified that the debt was not mine with Bank of America and have since then removed the fraudulent account from all reports. Bank of America still pursued me after the fact.

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 2017-07-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CITIZENS FINANCIAL GROUP, 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 status incorrect

Complaint:
I switched our home security services to XXXX. I was told the equipment could be paid monthly ( not by pulling our credit and placed on credit report ). The technician showed up for installation and I was told to sign contract. The contract was to pull my credit report for the equipment ( I was not happy about this b/c this was not what I was told prior to install ). The technician did not complete the job and outdoor camera never worked. I spoke with XXXX representative and we canceled all services the following business day, but reached out to technician next day ( he never responded ). XXXX sent email stating I was no longer liable for services or equipment and a technician was sent to uninstall the remaining equipment. I was sent notice from Citizens Pay that my application was not approved because the credit bureau was unable to verify my identity. ( XXXX misspelled my last name which was also misspelled on the account which I told technician ) I was then notified by all credit bureaus I had a new account opened in my name. I called XXXX and spoke with representative about the account being removed from my report. I was told I had to speak with credit bureau 's for removal. I disputed with all bureaus and each state " the account is verified ''. I tried reaching out to Citizens Pay only to get an automated message or XXXX. I can never speak to live a person and XXXX number given is no longer active. In short, the equipment was returned and service for XXXX canceled but the account still shows up on my credit report as active with a balance. Now I am having issues having this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient is continuing to add and subtract balances from my accounts. This is adversely affecting my credit score. I am currently in the process of purchasing a house for my growing family and their frequent updates are detrimental to this process. For the record, they do not have my correct contact information and I was not notified that my automatic payments stopped. I only realized it when I received an alert through my credit monitoring service when they posted late payments on my credit report. I did not stop the automatic payments and was puzzled when I received those alerts. 
I respectively request that the late payments from XXXX be removed and set to current. Once I realized auto payment had stopped, I called Navient and had auto payment reinstated which should have never stopped in the first place. Also I request that any student loans over 7 years old be removed from my credit report, as that is more than the SOL ( Statute of Limitation ) for my state. Again, I need this done ASAP as Navient is doing illegal collection and reporting practices which is negatively affecting my family way of life. 
I am also a military veteran and while looking into my Navient account I see that I have two stafford loans, one college advantage and one career training loan. My wife handles the bill so this was my first time logging into account to see. I dont remember applying for these loans. Both organizations XXXX XXXX and XXXX XXXX OF XXXX said that they was using my GI Bill. I assumed that I was repaying back for the GI Bill sense I had to stop going to both organizations due to personal issues. I do not remember signing anything for these loans and would like to request verification of debt for both organizations showing original documentation that I did contract with them for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.

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 2017-11-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is related to complaint XXXX The issue with Santander has not been resolved. Santander took my XXXX XXXX XXXX payment and applied it to the loan. This shouldnt have happened ; since mortgage payments are made in advance only interest for XXXX XXXX through XXXX XXXX XXXX should have been charged. I was charged XXXX in interest plus an additional partial interest payment of XXXX presumably for XXXX XXXX through XXXX XXXX XXXX dates even though my loan was paid off on XXXX XXXX, XXXX. The XXXX XXXX, XXXX pay off date was confirmed by Santander. This practice is outrageous, deceptive, and if it isnt already, should be criminal. Why is principal and full interest for the month of XXXX being applied to a loan that was paid off in early XXXX, as well as additional interest being applied? 
I request the following : The additional refund outlined below be returned to my Santander checking account no later than end of business Friday, XXXX XXXX, XXXX. The XXXX interest is owed back to me, as this was an interest calculation for the full month of XXXX, and I was already charged a partial interest payment of XXXX. 
A detailed explanation of the partial interest calculation on what ending principal balance- although it should be for the XXXX ending balance of XXXX as well as how many days interest the calculation was based on. 
A full refund of the so called XXXX payoff and XXXX mortgage release fees because of this nonsense Santander is trying to pull.
If Santander does not comply with the above request by Friday, XXXX XXXX, XXXX deadline, I will be sue the bank and go public with this story. 
In regards to Santanders letter dated XXXX XXXX, XXXX it doesnt matter that I didnt contact them to cancel the pre-authorized monthly payment- the payoff should have been calculated on the ending XXXX balance, and not handled such a underhanded manner. Further, I dont believe that it takes ten days to clear a check from a nationally known, reputable lender- another load of baloney.
Taking out the loan with Santander Bank was a terrible experience closing on my home was significantly delayed because Santander kept requesting additional information that had not been previously requested and now closing/paying off the loan has been even worse, as Santander is trying to cheat me out of money. Santander does not treat its customers well and practices incompetent and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
During the past 5 months the following has occurred with Citibank customer service : Given conflicting information by each customer service/or account manager regarding my account or policies such as when and how payments are processed ; given wrong/out dated address to send payments by a manager with CitiCard-the address given to me was XXXX. XXXX XXXX, XXXX, Ohio XXXX. This address is old and outdated. I asked the representative several times and he stated this was correct and it was not. The Office of the President listens to the calls and attempt to " explain away '' the mistakes. 

Presently, a {$1000.00} payment I sent on XXXX17 has been lost/misplaced and no one can seem to find it. 

Such problems have been happening over and over and corporate does absolutely nothing and neither attempt to compensate me for the mistakes made. 

I have also experienced being over charged for transferring funds. The system states {$5.00} or 3 % of the balance transfer on all of the promotions that I received. I was charged more than 25 %. This was refunded to me after I caught the mistake and called Citi. 

However, I am so tired of behaviors like these.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management Inc. ( MCM ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I sent out a debt validation letter XXXX XXXX to XXXX and XXXX and a debt validation letter to Midland Credit Management on XXXX XXXX. I received a letter from the collection agency ( MCM ) XX/XX/XXXX, XXXX and XXXX ( XX/XX/XXXX ) stating that the debt was verified but they have not disclosed how the account was verified. Also i know that an investigation wasn't done because according to 15 usc 1681a ( e ) they didn't do any interviews with anyone associated to the consumer ( me ) .However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Navient Solutions, LLC.
State: MD
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:
At one point during the repayment of the loan, my Grandmother was making payments for me. She does not know much about principal and interest. However she would make every payment on time. They were months were she would send a check in to Navient ( possibly XXXX XXXX at this time ) and the money would not be deducted from her bank account within a reasonable time period for that form of transaction. She called customer service to complain about this problem as it happened again this particular month. She explained to them that she has been sending in payments and that they have been coming out weeks after she sent in the check. The customer service representative told her that there may have been a backup in their systems and that they have not processed the check yet. However, I believe that this was apart of the bigger scam of Navient ( XXXX XXXX ) holding payments to maximize interest and minimize your principal payment in order to keep you in the loan terms longer. The very next day after this call they somehow found her check and processed it. They have been practicing dirty business for a while now, and it needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: JTM Capital Management, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning in XXXX of XXXX I have disputed these alleged debts. I have asked for debt validation from XXXX XXXX Bank along with JTM Capital Management and requested that these accounts are removed from my credit reports. I have not received validation of debt from XXXX XXXX Bank or JTM Capital Management and my requests have been ignored. I do not have any knowledge of these accounts. I want to see proof of debt and a contract that has my signature to prove, I am in fact the person repsonsible for these debts. XXXX XXXX XXXX JTM Capital Management continues to verify the accuracy of the information being reported with the CREDIT BUREAUS after my numerous disputes with XXXX , XXXX and XXXX . However, my debt validation request are being ignored. 

There are a total of two accounts from XXXX XXXX XXXX XXXX being reported on my credit reports. I am disputing both accounts. Both accounts are listed as sold/transferred to JTM Capital Mangament LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation