BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EdFinancial Services
State: NC
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:
On XXXX I transferred {$10000.00} into my EdFinancial student loans. Edfinancial transferred all loan customers to a new website. After transfer to the new website, {$10000.00} that was transferred was deducted from my husband 's bank account but not accounted for on the new website. I have called them once I realized their error. Firstly, they had no awareness about the error. If I was not paying attention to my pre-transfer and post-transfer total loan, then it would not have been caught. I started contacting them in early XXXX first or second week. Each time of contact, I have been given multiple estimated dates and reassurances that it will be fixed. I have sent multiple messages and called several times since then for updates. It has been more than 60 days since my early phone calls with no resolution and no guarantee of resolution. I will speak with supervisor tomorrow. However, even if I speak with them, I am unsure if they will correct the issue or continue to tell me to be patient and wait again with no reassurance it will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
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: Information belongs to someone else

Complaint:
all filed FTC : accounts as stated : XXXX XXXX {$200.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$370.00} uS Dept ED {$5500.00} deptedXXXXt {$5500.00} XXXX  {$410.00} XXXX XXXX {$350.00} XXXX XXXX {$410.00} XXXX XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received the initial call from " XXXX '' who is an employee with National Credit Systems , INC at XXXX XXXX XXXX GA XXXX, back in XXXX. This was the very first call and/or notification of said debt, and I asked him to please send me an invoice, so that I can review and pay. He said to me : " Well I advise you pay it or its going on your credit report! '' and hung up on me. The second call to verify that the bill was paid, was placed by me on XX/XX/2021 at around XXXX EST, and I asked him again to verify if the bill was paid, because this never shouldve been sent to collecitons, again, he said : " Well Im not here to debate this with you, and you should call back when you are ready to handle this! '' I am shocked and appalled by the lack of professionalism and utter disrespect that this " XXXX '' person has displayed. The NCS account number for this debt is listed as : XXXX, under my name, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have asked Chrysler capital/santander consumer for a copy of my contract lease with them for a copy of the list of fees that I will be charged and the payment history in which they have received from me! Send Chrysler capital refuses to send me any information regarding my payment history and extra fees they have been charging me and a copy of my contract lease with them! Particularly a gentleman named XXXX keeps lying saying that they 've sent the information I 've been waiting for months I have n't gotten XXXX document or anything else can you please help me get a contract copy and my payment history, contract, as well as any list of fees I shall be charged thank you. XXXX stated they can not send my contract certified mail to guarantee I got it he also stated they can not send my contract or Fees or payment history via email. Chrysler capital is withholding information from me so that they can overcharge me with fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts are reporting past due amounts in which I have never been late. 
XXXX XXXX # XXXXXXXX XXXX XXXX card # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am filing a complaint against Kohls Credit Card company, regarding a credit card that belonged to my deceased mother XXXX XXXX. After contacting Kohls to inform them of my mothers death, I believe they decided to fraudulently add my name to the account as a Primary account holder. When I asked them why my name was placed on this account as the Primary, they stated that I was secondary before and not an authorized user, so this gave them authority to make me Primary account holder. I then requested documentation to prove that I signed up as a secondary account holder, they stated they could not provide that proof. I then stated that all statements, documentation and correspondence has always been addressed to XXXX XXXX, not XXXX XXXX and XXXX XXXX as it should be when a person is a secondary account holder, they could not give me an answer and just stated that I was a secondary. They then decided to lock me out of the online account and changed all info related to my mother, at this present time I still can not access this account that is supposed to belong to me as a primary. This is so ridiculous and pretty much illegal if I could be frank, especially when they are not provided any proof. If they were to provide proof that I signed an application as a secondary account holder, I would take full responsibility of this account. I am requesting that Kohls remove my name from this account as the Primary card holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: BANCO POPULAR DE PUERTO RICO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Sir/Madam, On XX/XX/2020 I filled for a chargeback through Banco Popular. Since then I have been given no updates and when I called could not get any information. Yesterday on XX/XX/XXXX I contacted them again and was given this answer : " Your claim was previously referred to the merchant for consideration. We regret to inform you that until this moment the efforts have been unsuccessful. We are including the documents provided by the merchant for this transaction. '' ( Attached ) But no documents were provided. My guess is that the merchant didn't bother to answer. 

The merchant from whom I demanded the charge-back, never delivered the service I paid for and I have supplied the bank with all the information. 

I am ready to supply any evidence, correspondence you might need. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Hello, we have an issue with GM Financial refusing to acknowledge an excess mileage waiver in their GM Lease Agreement - dated XX/XX/XXXX. We have been trying to resolve this matter since we returned the leased vehicle in XXXX. At that time we purchased a new GM vehicle. The GM dealership submitted the lease agreement as well as the excess mileage waiver at the time we returned the leased vehicle to the GM dealership. Then on three separate subsequent occassions, we explained to the GM financial representative that we had a contractually binding excess waiver agreement and sent a copy of the excess mileage agreement to them. The calls and bills would stop for a little while and then the calls would begin again. Please see attached e-mail explanation that was sent to GM Financial explaining everything again. Since we are disputing the charge and providing proof of the legally binding waiver, the bills have stopped but the GM Financial harrassing phone calls on a daily basis have not stopped. Again, the leased vehicle was returned along with the contract/waiver in XXXX. GM Financial representatives call our home telephone number daily. GM Financial represenatives call my cell phone daily and they are calling my place of employment on a regular basis. I can provide a record of phone calls that come in almost daily. GM Financial has yet to acknowledge the excess waiver contract. I guess they think that if they harrass us with daily phone calls since XXXX, that we will just pay the {$400.00} to have them go away. That is not going to happen because we do not owe money on excess mileage. It's hard to believe but the almost daily harrassment is over an illegitimate {$400.00} bill. GM Financial added lates fees and interest to the fictitious charge to bring it to XXXX. Ridiculous- isn't it? There is a legally binding excess waiver agreement. There is no {$400.00} balance due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years

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 2015-12-20
Company: Total Card, Inc.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
For weeks, I 've asked this company to replace my card, as it has been compromised. Someone has made unauthorized charges on this card. XXXX charge was to a place called XXXX for {$4.00}. Others include XXXX XXXX and XXXX XXXX 's. I reported the card as COMPROMISED months ago, and requested a new card. Then, someone stole the card, and it is no longer in my possession. As a rule of thumb, I make small payments to all of my credit cards. Total Visa was no exception. In spite of this, they have been telling me that I 'm past due of {$43.00}. They are also reporting the account as delinquent, clearly billing me for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: FL
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:
Auto Loan with XXXX is not NOW nor was it previously being reported timely, there is a consistent XXXX ( XXXX ) month lag and at a XXXX Dollars a month [ inclusive ] that would both reduce my Balance and up my equity but at the end of the day it would ACCURATELY be reflected in the current Credit Score [ XXXX ]. 

The prior error of misapplication of Funds has been resolved. BUT XXXX is NOT and has not been accounting for payments received by them ( the account is presently paid until XX/XX/2023 while my report reflects only payments through XXXX ) in a timely manner STILL. 

Early payments PAID MUST be accounted for in real time. JUST LIKE balances must be updated monthly on Credit Cards so must outstanding balances on Auto Loans. So the fault is twofold the Reporting Agency : ( 1 ) Reporting Agency, in this case Experian, refusing to submit [ again ] part of a prior dispute to BOA which to this day has not been corrected, and, ( 2 ) XXXX  for not timely reporting ALL payments received and " cashed '' thereby affecting the " current '' balance and payments through 2023.

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 2020-04-22
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2020 I received a letter from GM FINANCIAL providing me with my payment history and simple interest contract. After reviewing the information, I found several payments that were made only went to the interest and nothing to the principal. If I paid a late fee that amount went to the interest as well instead of the late fee. I paid extra fees due to this error and GM FINANCIAL affected my credit with negative payment history when I paid. I have completed all payments due and now GM FINANCIAL is saying I owe another XXXX? Per GM FINANCIAL website, I have completed all 72 payments but the company is reporting I am only 83 % paid with now this new balance. I reached out to the company on XX/XX/2020 and spoke with a rep named XXXX for 2 hours and she said she saw the errors and reached out to her supervisor XXXX to correct it. I was told it will be fixed but I received a call the next day from a rep named XXXX who told me the balance was correct and I needed to tell GM FINANCIAL when making payments that I wanted certain amounts to be placed to the principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: WA
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:
On XX/XX/XXXX Conserve placed collections on my XXXX report for over {$3800.00}. 8i disputed it on XXXX. The dispute is open. I never was contacted by phone by Conserve, no message left on voicemail and no phon conversation. No e-mail was received. No letters ever came in the mail. There is no account on the credit report that reflects what they are trying to collect on. Under FDCPA they have not verified the debt nor that it is mine before placing collections on my report. The company then reported it to XXXX and XXXX. I will be disputing with those agencies too. Conserve should remove their reporting as they have not met their legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: NC
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 have reached out to XXXX on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX  school. Each one of the loans showing as an individual account on my credit. XXXX  ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, XXXX failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to XXXX and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. XXXX has been paid. XXXX should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.

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 2023-02-12
Company: EQUIFAX, INC.
State: MD
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:
Equifax, XXXX and XXXX are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Duvera Billing Services, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company openned a collection account on my XXXX Credit bureau. I do not know this account. However, I do have one idea who it is. XXXX XXXX XXXX  was warned, they called me at XXXX. I filed a complaint with the company. The violated they violated the FDCPA by calling me at XXXX. I have it documented. This account was disputed and I believe they are violating interest rate usury rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
As of XX/XX/XXXX XXXX XXXX I have noticed fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2020-01-31
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XX/XX/XXXX I visited the XXXX website and selected a CD offer by XXXX XXXX XXXX -FDIC insured for a 12month period at 3.04 % APY. 
I followed the invest arrows and duly completed the account application form and faxed it as instructed to XXXX. The application was accepted and in discussion with the officer from XXXX XXXX XXXX I was informed that his bank was a subsidiary of the XXXX XXXX, XXXX XXXX, WI - FDIC # XXXX and that he was a broker agent for the collection of deposits in CA. On XX/XX/XXXX I wired the funds {$250000.00} as instructed to WELLS FARGO BANK XXXX XXXX, XXXX XXXX for the credit of his broker collection agent XXXX XXXX XXXX XXXX. I eventually received an account opening confirmation for the CD. 
On XX/XX/XXXX while in preparation for my tax filing and collection of my IRS 1099-INT I called XXXX XXXX XXXX on XXXX and found the number to be out of service. I immediately called XXXX XXXX, XXXX XXXX, WI who stated that they had no knowledge of my account and had no association with XXXX XXXX XXXX. I then called the FDIC who informed me that this was a known bank fraud and suggested I contact the CFPB. I later met with my branch manager at XXXX who instigated A RECLAIM OF THE FUNDS ON WELLS FARGO BANK- no response as yet. I also filed ic3.gov FBI report and have informed the CT Attorney General.

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