BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: SUNTRUST BANKS, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a debit card transaction on XX/XX/XXXX that posted on XX/XX/XXXX that I am disputing for {$290.00}. This was for a service I never received, but SunTrust is not issuing a provisional credit after 10 business days. I have contacted SunTrust twice about this. First time they said after 10 business days they would issue a provisional credit. Today they are stating that they do not issue provisional credits.

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 2019-10-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DSNB MACYS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2017-11-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mr.cooper provided notice of sale or transfer of loan effective XXXX/XXXX/XXXX, letter was postmarked XXXX/XXXX/XXXX, this is not the the mandated minimum 15 day notice. Letter states they will no longer accept payments after XXXX/XXXX/XXXX. I have not received anything indication how payments are to be sent to alleged new servicer XXXX XXXX XXXX XXXX as of XXXX/XXXX/XXXX. Payment is due on XXXX/XXXX/XXXX and past due on XXXX/XXXX/XXXX. I feel this is a predatory practice to negatively impact my credit rating and reduce chances to refinance with a possible 3rd company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I email a dispute to XXXX  XXXX  It has now been over 30 days enought time to do what I requested { they have not complied to anything, Enclosed is the affidavit 's that was sent with proof it was sent under FCRA they had 30 days to reply I request that the credit reporting companies remove the account at once. XXXX   still showing as XXXX  XXXX/XXXX XXXX  as owning account and XXXX is under collections they can not report both a clear violation I leave this in the hands of the CFPB to investigate and any and all documents in this matter going or coming will be forward to the CFPB

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 2019-10-25
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: MOHELA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Problem : On XX/XX/2023 I reviewed my loan balances on the MOHELA website. The website stated I had {$6300.00} in interest on my account that accrued during the COVID-19 0 % interest payment pause. 

Action taken : On XX/XX/2023 I called the main customer service number and communicated the problem to a service representative. He spoke with his mentor and his mentor stated the interest amount was correct, that this was interest that I owed that had accrued on my loans. I stated that 3 of the loans had been paid in full during the pandemic. The payments I made were reimbursed to me ( per my request ) and only totaled the principal balance of those 3 loans. Since this all occurred during a 0 % interest period, there would be no mechanism for the balance to have accrued interest. I asked for my call to be escalated. The service representative escalated my call to the Resolutions Department.

I told the representative of the Resolutions Department that I had loans that accrued interest during the 0 % interest payment pause. The Resolutions Department representative stated my loans should not have accrued interest during this period and said the error would be corrected. The representative did not ask for any additional details. I asked if MOHELA would review my entire account to assess for incorrectly applied interest. The representative said yes. She said it would take 5-7 business days. 

As of XX/XX/2023 the {$6300.00} in interest accrued during the COVID-19 0 % interest payment pause remains on my account. 


These are my loans and the amount of interest added during the 0 % interest period : Loan 1 Dispersed : XXXX Principal Balance : {$6400.00} Interest : {$100.00} Loan 2 Dispersed : XXXX Principal Balance : {$13000.00} Interest : {$210.00} Loan 3 Dispersed : XXXX Principal Balance : {$20000.00} Interest : {$0.00} Loan 4 Dispersed : XXXX Principal Balance : {$15000.00} Interest : {$0.00} Loan 5 Dispersed : XXXX Principal Balance : {$5100.00} Interest : {$0.00} Loan 6 Dispersed : XXXX Principal Balance : {$3100.00} Interest : {$0.00} Loan 7 Dispersed : XXXX Principal Balance : {$6800.00} Interest : {$1200.00} Loan 8 Dispersed : XXXX Principal Balance : {$19000.00} Interest : {$3600.00} Loan 9 Dispersed : XXXX Principal Balance : {$6800.00} Interest : {$1200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've done two disputes for XXXX and XXXX since XXXX. Saying this was not my debt I have no knowledge of this account this account isnt mine. And initially it came off my credit report all the way in XXXX or XXXX. It should not be back they are old debts. That now XXXX wants to put back on my credit as new debt and it's not it's been off my credit for years. And for them to add it back in XXXX is a disgrace knowing that it has been removed and you update the information to make a new account or debt is wrong. Please go back and investigate that these are the same debts previous that came off and should remain 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 2019-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
While doing a recent review of my credit report. Ive noticed that their are a few accounts that were disputed with your bureau ( Experian ) that I have also submitted with XXXX XXXX and XXXX. **** These accounts are listed with your bureau ( Experian ) as they were with the other two bureaus. Disputes were sent out to each bureau at the same time with the same verbiage. 

By law each bureau has to abide by the laws of the FCRA. 

XXXX XXXX and XXXX are reporting different from what you are reporting. Each account on your bureau report ( Experian ) has / had the same account number and identical information and at the end of your investigation your bureau ( Experian ) stated that they verified it with the furniture or guarantor. The other bureau has done the same and have received different results. 

If this is the same account thats being reported by the same creditor, how are these numbers and other verbiage different? How could the verification process be the same and receive different results? How could all three bureau follow the rules of the FCRA and get three different results from all three bureaus? XXXX is responding back that the information is true and correct and has updated or deleted the item. So has XXXX! So why does your bureau ( Experian ) find it probable cause to continue keep incorrect information and not delete or up date it if in your verbiage has been verified by the guarantor/creditor? 

( Is the bureau using a computer verifying system or is their a ****human ~~~~taking out the time to make sure that the information is correct? ) Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete these accounts immediately because of the negligence from the original creditor to the credit bureau and in inaccurate verification from your bureau ( Experian ). 

I have enclosed a screenshot and other information for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car from XXXX on XX/XX/XXXX. Monthly payments in the amount of {$320.00} have been made on time every month since XX/XX/XXXX to Bridgecrest who is the lender. My account has been ahead by 2 months since XXXX. My current payment is not due until XX/XX/XXXX. No payment has ever been late. 
Bridgecrest has inaccurately reported my account as 30 days late to the credit bureaus and posted late fees to my account. Please keep in mind that XXXX late payments have been made. Cases had to be opened with the CFPB as Bridgecrest was unwilling to correct the errors. 
When an on time monthly payment is made, the principle should decline every month. This would cause the interest to decline slightly monthly as well. My account is showing that the interest is not declining monthly, and in some instances increasing dramatically. 
I have attached examples of how the monthly payments are applied to principal and interest. The interest for the payment on XX/XX/XXXX ( {$170.00} ) is almost the same as the first payment ( {$160.00} ). No amortization table works that way. As the principal declines, so should said monthly interest. This account will be XXXX XXXX XXXX in XXXX of XXXX. 
I have contacted Bridgecrest numerous times to resolve. I recently spoke with XXXX who is a XXXX in the XXXX XXXX Department. She was to investigate and call me back. To date, no return call has been made. 
Bridgecrest will also claim that the amount of interest collected depends on when the payment is received, the payment is sent the same time every month and received within a few days. Bridgecrest will reverse the principal payment and apply as a normal payment 30 days later. This might be why the interest increases monthly. The amount of interest is all over the place.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
In accordance with the fair credit Reporting Act XXXX XXXX  Account ending in XXXX : 15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a Sect 2a ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report ; a credit report is a consumer report. Per part ( I ), only transactions and/or experiences should be reported. Marks such as late payment/s and utilization rates are illegal per this law.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-10-01
Company: Experian Information Solutions Inc.
State: VA
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 have two accounts/creditors on my credit report that list me as an authorized user. These accounts are not mine and I have not authorized anyone to add me as an authorized user. I have tried to get these removed by the creditor but they have not done so. 

I would like these accounts deleted from my credit report. 

XXXX / XX/XX/XXXX {$200.00} XXXX XXXX / XX/XX/XXXX {$1700.00} 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 2023-02-06
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have had XXXX personal loans with OneMain Financial the last loan was paid in full total loan was XXXX paid over XXXX in interest. 

After the passing of my Mom waiting on probate court and sale of her property I decided to return to OneMain for a another loan after receiving several invites via email and U.S. Mail. 

The OneMain store Manager was excellent I have been doing business with her branch for over 15 years. 

Unfortunately on XX/XX/2023 I was denied the loan unless I provide a car for collateral never required this in the last loan with same credit score? Additionally, my concern is they ran a hard credit check which I understand but gave my credit score another point deduction with no loan? Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
It started on XX/XX/XXXX and concluded on XX/XX/XXXX. The problem started when my former associate and I were exchanging services for payments. I agreed to do the services he requested in exchange for equal value, and it was going smooth up until the week of XX/XX/XXXX. He started saying that he didn't have to do the things I asked him to do and kept making excuses up until XX/XX/XXXX when he blocked me after he got the money from PayPal 's chargeback system. I have pages and pages of conversations of him and I agreeing to the past deals in question and doing the services. 
Transaction dates : XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} I can provide screenshots of the PayPal conversations and conversations with the individual in question if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
The person I've had problems with was a short time ; between XX/XX/2019 - XX/XX/2019. He's another person I had deals agreed to and after the services were agreed upon and completed, with payment, my money was taken from me through PayPal 's scammy Chargeback system. 
For this person my transactions were : XX/XX/XXXX - {$32.00} ( including country fees ) XX/XX/XXXX - {$32.00} ( including country fees ) XX/XX/XXXX - {$54.00} ( including country fees ) The main problem I have is with PayPal, this is the 2nd time within a year that I have had problems with them and their inconsistent system. I paid these people for services that were agreed upon before and then months after I'm magically having money taken away from my account. After contacting PayPal for months on end I kept getting the same, " We'll continue to look into your situation with no resolution ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Unfortunetly I never signed any of my information on a contract for this vehicle. The owner of the vehicle let someone else sign my 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 2023-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have the right to make sure my private information isn't shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic persona information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX EQUIFAX is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer Equifax and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all consent Equifax whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliate third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that nondisclosed option. They never informed me of my rights to exercise that nondisclosures option. 
Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: BARCLAYS BANK DELAWARE
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:
I contacted Barclays and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by Barclay 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.

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 2021-03-26
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I attempted to buy some cryptocurrency using PayPal and received a notification that " there was a problem with my account '' and that I needed to submit verification documentation XXXX bank statement, etc ). I did so immediately and was told three days later that I could no longer use PayPal and that my account was permanently limited due to a " potential risk. '' No explanation of the risk was given and as of this writing I have no idea why the account was limited or suspended even though I have used the service for many years. I currently have an approximately {$3500.00} balance in my crypto accounts and can not access it at all for another 180 days. They are holding my money and are not allowing me access to it for no defined reason.

Company response to consumer: Closed with non-monetary relief