BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander consumer USA is obligated by the FCRA to report everything accurately to the credit bureaus. Why is a late payment being reported 3 different ways to XXXX, XXXX & XXXX? When i dispute it, they refuse to correct the information. The payment was not late. The way it was reported, it looks as if i have 3 late payments. Ive attached the images below. This is my 4th attempt in getting a solution from this XXXX  company. If you are obligated to report correctly, then do that. Why are my payments being reported differently based upon the credit bureaus? Are you intentionally trying to make it look like it was late 3 different times? So that you can make it look like you can tow my vehicle in the middle of the night? Ive disputed it 3 times. You refuse to fix the issue. This credit report was pulled on XX/XX/2020. This company is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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:
Based on the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  Account # XXXX has violated my consumer rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: American Consumer Credit Counseling, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid AMERICAN consumer credit for their services to assist with getting rid of a time share contract and clear up my credit associated with time share, this was not completed, I have tried contacting company multiple times and they do not answer the phone and voicemail has been full for the last couple of months. Company guaranteed their services or money back after 2 years and I have been unsuccessful with attempting to get reimbursed as company never completed their services

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 2021-05-27
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by phone on XX/XX/XXXX and informed an I.C. System representative named XXXX XXXX the account they called me about was related to identity theft. I also informed her that they were not to contact me anymore via phone. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from the same company about the same alleged debt. On XX/XX/XXXX. I faxed a fraud affidavit, the police report and submitted a dispute online regarding the fraudulent account. On XX/XX/XXXX, this account was reported on my credit file. The letter specifically stated that I had 30 days to dispute the validity of the alleged debt and they put it on my credit after 8 days of being made aware. They knowingly and willingly caused me damage and violated the FCRA and my personal credit rights. I called on XX/XX/XXXX, XXXXand spoke with a XXXX XXXX and informed him of the violation and the call was disconnected somehow, but after he verified that the account was XXXX out. On XX/XX/XXXX, I called very upset and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX to question why the account was still on my credit file. They simply stated that it was in the process of " being deleted. '' In the meantime, I was in the process of shopping for a new vehicle because I was having car problems. Their reporting of this account resulted in me being left without reliable transportation for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are a few accounts on my credit report that are invalid and not mine

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 2022-08-08
Company: EQUIFAX, INC.
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:
I submitted a previous complaint concerning a violation of my consumer rights per 15 USC 1681b ( a ) ( 2 ) ; as the company was unable to produce documents that state I gave written consent to report information concerning a XXXX XXXX account. Additionally, the information regarding the account is both inaccurate and incomplete which is also a violation according to15 USC 1681i ( A ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: VW Credit
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:
Trying to dispute and remove this {$44000.00} for VW credit opened on XXXX of 2021, which is fraud and Id theft have tried to clear up with volks wagon financial but they wont give me info on fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was forced to pay for glasses I could not afford, told person I did not have a job, they opened up charge account, and instead of getting reasonable price, tried to use all the money in account. I tried early to get them to reduce intrest, so I could get a hold on the account. The account was sold and closed, I got money to try to pay for the debt, started to make payments, made four payments, that have not been substracted.The intrest doubled what I owed. Now the person who sold account came back on scene, making statements, even though I have been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
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 live in XXXX but am a US citizen. I can not request a free credit report because I have no US address. I can not call any of the major credit bureau customer service lines because they are toll free or demand a zip code. Email contact has had no effect. 

9 million Americans live overseas. How are we supposed to monitor our credit for fraud?

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 2020-06-04
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went into my local dealership to purchase a vehicle. Upon arriving the dealership informed us that they have someone that can help us obtain a loan. During the paperwork we were told that our rate was going to be XXXX point something percent. We agreed and stopped our process of obtaining a loan with other financial institutions. The date we went to sign all the papers and pick up the car we were told as we are signing the papers that the loan is 8.5 %. We were surprised and tried to renegotiated but they told us that things change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capital One Mastercard simply stopped mailing me statements. When I called Customer Service ( 3 times ) I was told that representative could not explain what had happened. My last call had a representative tell me my credit card account had been sold but no contact information was available.

In the meantime, no monthly statements have been received in almost 3 months. I have continued making payments but am seriously concerned about what Capital One is doing to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There's an account from COMENITYCAPITALBANK/XXXX XXXX listed on my credit report, but I do not owe this company ANYTHING. They sent me a card in the mail after an online pre-approval, but I never purchased anything with them. The card wouldn't work and I called their customer service number and they advised me that this card was closed because they approved me in error, due to my FICO score I shouldn't have been approved. I was never able to use the card at all, so I'm unsure of how I owe them anything. I tried disputing the amount that they claimed I owed on several occasions with no luck. I don't understand how they approved me, sent me the card, closed it and yet they state that I owe money for a card that I was never able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2019, I received a Barclays AAdvantage Aviator Red Mastercard in the mail. Upon opening and reading the associated terms and conditions, I saw that there was an annual fee of {$95.00} that I was responsible for paying to use the card and account. 

In that same month and for months after on four separate occasions, I have contacted card services at XXXX to close this account. I never activated this Mastercard and have tried to close the account several times only to keep receiving statements to pay the {$95.00} annual fee as a balance. Most recently, on the date of XXXX XXXX, 2019, I was sent a letter from Barclays notifying me that my account was closed on XXXX XXXX, 2019, but that as of XXXX XXXX, 2019 there was a transaction balance of {$95.00}. XXXX in purchases even though the account was closed and the XXXX was never activated, nor had any purchases associated with it. Moreover, I believe that there may be some unethical practices used by Barclays to list this fee as a purchases balance therefore subjecting the balance to interest and late charges even though once again the card was never activated or used for purchases, and immediate actions were made to close the account by me. 

According to the Fair Credit Billing Act, I've formally disputed this with a written letter to Barclay 's using certified mail, and included all letters and statements sent. The letter was delivered on XXXX XXXX, 2019 and they wrote a response on XXXX XX/XX/XXXX which leads me to believe it was never investigated. All correspondence mentioned is provided as attachments.

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 2017-11-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Hello, currently did business with PayPal for over three months for my XXXX XXXX. PayPal has closed my account due to I was on an authorized person on another account for the company I was employed with to speak with PayPal for that account. I do not work for that company anymore. 

I personally do not have any money that is owed to PayPal. PayPal said that you will need to hold my money for 90 days. I explained that XXXX has 30 day money back guarantee so why would keep the all of my XXXX on orders that had been shipped and no issues for over 45 days? PayPal said its their policy to hold all your money in case of returns. My Case with PayPal is Case ID Number : XXXX PayPal has closed my account due to my name on a account that I used to work for last year. 

PayPal is holding XXXX of my money and will not return my money. PayPal is not a bank. Nor is it a FBIC accredited. So how can they hold any funds? 

I have spoken with PayPal agent in late XX/XX/XXXX they said it should be released to you. 

I have called them back to see about my funds being released back to me. I explained the situation to to agent about sending my money and she was very rude to tell me I will have to wait because the credit cards have over 90 return for charge backs. 

PayPal has said they I will have to wait 120 more days till I get my money. 

I have waited over the normal time that should be released to me. 

This situation is standard for them, they do this to everyone. here are just a little sample of the issues caused by them. https : //www.paypal-community.com/XXXX Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
BACK IN 2019 THERE WAS AN ACCOUNT OPENED IN MY NAME WITH NAVY FEDERAL CREDIT UNION. THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION. SINCE IVE NOTICED THE ACCOUNT OPENED IVE WRITTEN LETTERS TO EACH CREDIT BUREAU, IVE CALLED THE CREDIT BUREAUS, IVE WRITTEN LETTERS TO NAVY FEDERAL AND CALLED THE BANK AS WELL. THE ACCOUNT HAS A {$11000.00} BALANCE. THIS IS CREATING SUCH A HARD SHIP ON MY LIFE I DID NOT OPEN THIS ACCOUNT. PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Better Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I signed closing documents on XX/XX/2020. During the process, I noted that a payment for homeowners insurance was being withheld as part of my closing costs. Additionally, nowhere in the closing documents did it detail the disbursement that would need to be made to the insurance company. 

As part of the refinance " tasks '' that are a part of the process Better uses, I had previously submitted proof of payment for that cost on XX/XX/2020 ( see attachment XXXX ) and requested that insurance be not included as a closing cost ( see attachment BetterHOItask ). When I contacted Better to try and rectify this, their agent stated that somehow the file I submitted must have been replaced with one that did not show the payment ( even though it does, see attachment XXXX ), and they did not know how it happened. The agent then stated I would have to take up the issue with the insurance company for getting a refund, though as of XX/XX/2020 the insurance company has no record of receiving any payment from Better.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX XXXX XXXX for XXXX XXXX  pay day loan XXXX was the rep I spoke with he did n't state that he was trying to collect on a debt or that the call was recorded he offered me a did on the acct I said I could n't do anything until XX/XX/XXXX and he stated the company was n't going to wait that long that they litigate XXXX all the time and that 's what is going to happen they will use me for the acct said he was going to put that I refused to pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Midwest Recovery Systems
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Midwest Recovery Systems reported a debt from a payday loan i have no knowledge of. When asked to provide a copy of the contract, none provided, I have never had an account with Midwest Recovery, nor XXXX XXXX, this account appears on my credit reports, XXXX, and XXXX. Midwest Recovery violated FCRA, and refused to validate this debt and continue to report this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an ongoing dispute with XXXX. I believe my federal loans were inappropriately capitalized, adding over {$19000.00} to my loan amount. I have disputed this with XXXX and they have been reviewing it for over a month, no one can explain or give me a response. I have supporting documents as well. I submitted my recertification paperwork 1 month early. I was forced to do it by paper because XXXX had not updated my name change despite submitting the paperwork needed over 4 months prior. The day before I was notified that there was an issue with the recertification my interest was capitalized. 5 days after receiving the notice that there was an issue with my recertification paperwork, I was able to recertify online ( since my name had finally been changed ) and was officially recertified for IDR for the upcoming year. My plan was never changed, I never had to go into forbearance and yet they capitalized my interest before my plan actually had to go into forbearance. Below is the timeline of events : XXXX : call and file upload of name change and supporting documents, name never changed and unable to file IDR online because name was not correct XXXX : paper IDR request submitted XX/XX/XXXX : last day to submit IDR request XX/XX/XXXX : interest capitalized ( {$19000.00} ) XX/XX/XXXX : IDR Denied ( via message, 1 question not answered per XXXX ) XX/XX/XXXX : new IDR submitted online, called XXXX and would expedite XX/XX/XXXX : new IDR approved XX/XX/XXXX : new payment amount started ( never payed higher amount, never went into forbearance )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: The Bureaus, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit a few months ago and saw an account that I did not recognize. I have disputed the account with The Bureaus Inc, and I have received nothing in the mail at all! It is my right to know what and why someone is reporting information about me to a third party. I did my research and found that I need to file a complaint here to punish and eventually get this company fined! Please investigate this company as I am sure I am not the only person who has issues with the confusion this company creates, even their name is misleading!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Navient Solutions, LLC.
State: MN
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:
student loan amount of {$700.00} was taken out from my bank account but doesn't show on navient account because navient account shows that i only made a payment of {$240.00}. They couldn't figure out where the money went, including the manager. I had to waste 30mins of holding and figuring out with them over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Utah System of Higher Education
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I XXXX for the XXXX XXXX XXXX mid XX/XX/XXXX, signing up for a total of almost 30 weeks of training spanning from XX/XX/XXXX to XX/XX/XXXX. Prior of leaving I contacted my student loan company XXXX for SCRA benefits and deferment of payment while on orders. When I contacted them they told me I was ineligible for the benefits due to me not in a " XXXX or XXXX XXXX ''. This is the first I have heard of this in my conversation with numerous other people who use this while in training. The only assistance I was offered was to reduce my payments to a smaller amount. I understand my payments of about {$100.00} reduced to {$61.00} is not much but I have been paying on them since than with no assistance. I was making a tiny amount while at training with other bills to pay at home that I needed ever cent I could save to make it through training financially. What frustrates me is the reduction of what I owed monthly was from me providing my income not military orders. They did not assist me an any way helpful.

Company response to consumer: Closed with explanation