BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX I was holding for hours for Santander to advise them that my payment would be a few days late. I was furloughed from work due to covid. I couldnt get through. i made the payment in XXXX and was hit with a late marker. I sent a letter to the credit bureaus and company. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions XXXX on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Purchased an item on ebay and paid with paypal for {$690.00}, ended up canceling with seller, Paypal stated a refund was issued XXXX, however no funds were ever received due to a " guest account '' being used. I used my mastercard debit card, which paypal didn't recognize as a Mastercard they referred to it as a star card that doesn't allow refunds. SEVERAL phone calls were made to Paypal with NO RESOLUTION, paypal made excuse after excuse that they claim i was refunded! I spent hours on hold and i am a truck driver and can not afford to be on hold for those long periods of time. I had to open a dispute with my credit union to get back our money since paypal didn't refund. We receive an email from paypal XX/XX/XXXX stating they apologize for the delayed refund as the refund experienced a " technical difficulty '' and yet I STILL DO NOT HAVE THE FUNDS from XXXX. Luckily the credit union issued a provisional credit. Another phone call revealed funds were in a " guest account '' and when I questioned how can we access the guest account, the reply from the executive of escalations responded with a generic answer of due to the chargeback, we have to wait for the cardholders decision and to call him back, i was never able to reach him and left several messages. XXXX XX/XX/XXXX, 3 months later paypal realized the issue and finally refunded our paypal account. I have all the correspondence from paypal with all the excuses and i feel they have broken reg e regulations and simply didn't assist me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have recently had a flood in my house and received a disbursement from my insurance company for around {$41000.00}. XXXX forced me to turn these funds over to them ( presumably so they can collect the interest while they hold on to my money ). Since then, I have been dealing with their internal documentation process which has caused delay after delay after delay. They are denying paperwork that is completed properly to cause delays. Every time I call to get a disbursement, I am told it's 4 to 6 days out. My leak was on XX/XX/XXXX. I sent the check to them on XX/XX/XXXX. It is XX/XX/XXXX and they have still not mailed a check to me to pay for my repair work. I have already had to pay {$5000.00} out of my own pocket to pay for the work to get started and I don't appreciate them holding my money and refusing to mail me any amount to pay for the repairs I need to have done in my home. Please get them to escalate a check to me immediately for at least {$10000.00} to cover my initial payment of {$5000.00} and give my contractor another {$5000.00} so he doesn't walk off the job!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: IL
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 rewards from credit card

Complaint:
I have a Citicard XXXX XXXX  XXXX XXXX XXXX XXXX. Citicard offers a {$120.00} XXXX XXXX XXXX  credit with this card when you spend over $ XXXX per year and pay an annual card fee. In XXXX I spent over {$31000.00} and paid my annual fee. In XXXX I have paid over {$20000.00} ytd. They are refusing to offer me the advertised benefit.

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 2021-01-20
Company: AMA Advisors, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Homebridge had closed a previous inquiry regarding an issue with my escrow account. But there still is an open issue from that inquiry that needs to be addressed. 
Your company previously stated that an escrow refund of {$3300.00} was mailed to me, the borrower, back in XX/XX/2019. I do not recall receiving this check in for the overage from the escrow account. Can you please tell me of that check was ever cashed?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took an unsubsidized loan of XXXX XXXX dollars after my transition from Military service on XX/XX/XXXX. The purpose of this loan was to allow me pursue a XXXX XXXX in management information systems at XXXX XXXX University online. Initially, this loan was with XXXX XXXX who later sold the loan to Navient, a parent company. I am struggling to make payments and have requested on numerous times for Navient to lower the cost to affordable payments. Instead, they have chosen to continually harass me at work with phone calls violating my privacy because I work with prisoners. Now, I fear for my life and have indicated to be contacted via e-mail only and that was ignored. Next, I feel financially exploited by Navient changing my loan from {$10000.00} to {$26.00}, XXXX. As, this was reported to the credit bureau affecting my credit scores negatively. I have made several payments ranging from {$270.00}, {$270.00}, {$22.00}, {$50.00}, dated on XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX respectively. Also, I was told by a representative over the phone to make a final payment of {$270.00} on XX/XX/XXXX and then continue to make {$50.00} monthly. She suggested filing a forbearance which I did, and Navient never acted on it. They have remained adamant and inconsistent in prorating my monthly payments and this is unacceptable. I am tired and sick of being harassed and exploited and hoping that they put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold an item on XXXX. Payment was made by the purchaser to my account on PayPal.com. PayPal.com has seized my {$28.00} and refuses to make these funds available to me. They will not provide my funds nor provide an explanation for this seizure of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: EQUIFAX, INC.
State: FL
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:
I was locked up on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX XXXX natural person and consumer. I a writing this with no outside influence from a third party. Please review the attach documents to see the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I currently have an account with a debt collection company EOS ( Account Number XXXX ) that is collecting on an outstanding XXXX XXXX Account. I sent a payment via certified mail on XXXX XXXX in the amount of {$110.00}. I called the company earlier today ( XXXX XXXX ) requesting a payment receipt. The representative told me that they are unable to provide me with a receipt. I told the representative that this was completely unheard of because as a customer I have the right to know whether or not the company received my payment or not. Especially since I 'm sending this via postal mail I have no idea whether or not the payment was received. I deserve to know whether or not my payments are being credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: EQUIFAX, INC.
State: WA
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 use a credit monitoring service, I was alerted yesterday XX/XX/XXXX, that a hard pull was run on my credit on XX/XX/XXXX through Equifax from a company called XXXX. After some research I found out this is XXXX. I have not applied for any credit cards or loans and did not give this company consent to run my credit. I have reached out to the company and still have not gotten a reply back. I have never had an account with this company so I do not have any access to know what amount was given or who has access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My husband and I filed bankruptcy in XXXX and accounts included in the bankruptcy are being reported as delinquent causing our payment history to be inaccurate.

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 2019-01-26
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX a lab test was sent to XXXX XXXX. My doctors office sent it to XXXX even though that lab is not covered under my insurance. I spoke with a case XXXX about it and was told the bill was paid. After the invoice sent to me in XX/XX/XXXX I did not here from XXXX XXXX any more. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the bill from XXXX XXXX was in collections. I called XXXX XXXX and got a receipt showing I do not owe any money. The updated invoice is dated XX/XX/XXXX. I faxed it to the collection agency. They then mailed me a copy of the invoice dated XX/XX/XXXX which is dated before the debt was paid asking for payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
Bridgecrest formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX - account number : XXXX XXXX XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information

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 2019-01-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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.

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 2019-01-26
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My XXXX payments are loaded on to a XXXX XXXX debit card managed y Coamerica Bank. On XX/XX/XXXX i was notified of a transaction in the sum of {$900.00} made at XXXX XXXX XXXX in XXXX XXXX NY. I called immediately on XX/XX/XXXX to report this fraudulent transaction as i live in XXXX  ny and have never even been in XXXX XXXX NY ( near XXXX XXXX XXXX ). They told me that they could not open a dispute until the transaction cleared. I called the following day at which time the transaction had processed and I could file a dispute, dispute number XXXX. I cancelled my card and they issued a new card via XXXX  for a charge of XXXX, They also said i needed to complete a fraud questionnaire which i promptly completed on XX/XX/XXXX and sent back to them by fax on XX/XX/XXXX and mailed by usps certified mail return receipt. They said on XX/XX/XXXX they fad not received my fax and i sent it to them again on XX/XX/XXXX. I called customer service and i seem to get the runaround. This was a totally fraudulent transaction. 
I am looking for a provisional credit. This my social security XXXX money and this is how i live and pay my bills. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My cash deposit of {$580.00} was shorted {$200.00} by bank of America. They continue to state they are not out of balance, that does not mean there was not another issue to offset mine. I have tired to work with them and they do not want to help me.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of 2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. Thank you in advance. 

Very Respectfully, 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 2023-07-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the Accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX  Balance : {$2400.00}

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 2019-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to XXXX XXXX XXXX, XXXX, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and XXXX XXXX ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: General Motors Financial Company, 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 information incorrect

Complaint:
GM FINANCIAL is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. GM Financial has received notice through The BANKRUPTCY COURT CLERK, on XX/XX/XXXX stating a Chapter XXXX was filed, and on XX/XX/XXXX a signed order by the judge was sent stating all debt was discharged. To date GM Financial never responded, never appeared, and never rebutted the fact they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: CA
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:
Multiple attempts have been made to remove a fraudulent/misfiled account from my Experian credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018 I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.

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