BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Since early XX/XX/2022, I have been trying to get ahold of the right department to inform them that I am unable to make minimum monthly payments due to my employer cutting back hours and seeking a temporary payment arrangement. I keep being put on hold and keep being redirected and with a result of being hung up on. Due to this continuous cycle when I call, I have been charged a late fee. I need someone to help me with hardship monthly payment options until I find a full-time job, I do not want my account to be reported to collections and impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had to have my card number canceled out and a new card issued. They need a copy of my photo ID. I took several pictures but was unable to get an image with their app or my camera that they could use. They finally had me pay the library to scan a perfect copy to PDF. I have looked at the file myself and the image is perfect, but after telling me to go buy this image, they then told me this wasn't good enough either. They also tell me that while they can not use any of the images they have, one of which I had to pay for and is a perfect image, they also have no other options to issue a card if their system fails to accept the perfect image. So they won't issue me a new card to use my credit, but still expect me to pay on the open account which is in good standing but I can not get a card to use with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed something that is drastically affecting my credit multiple times, however since the company I am disputing is a paying member of this company, they simply just take their word for it. I have asked several times for them to show me documentation where i agreed and received a loan from them and they cant provide yet they are still able to report onto my credit because all three credit companies refuse to further investigate

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 2019-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I currently have two credit cards with capital one, I'm monitoring my credit reports and noticed that capital one is failing to report one of my credit cards to XXXX. Capital one is reporting both cards to XXXX and XXXX, but my XXXX  report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the company on XX/XX/XXXX requesting them to remove the late payments from my account. I am up to date with my payments, and I am needing the late payments off of my account to help out with the home loan I am trying to obtain. Ally financial told me they would not do this for me, when they actually are able to do this.

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 2018-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I originated a home mortgage loan with XXXX XXXX XXXX in XX/XX/XXXX. The mortgage was transferred to Capital One when they took over XXXX XXXX XXXX. At that time I authorized an ACH payment to Capital One for the mortgage payment. On XX/XX/XXXX the mortgage was assigned to XXXX XXXX XXXX XXXX XXXX . I paid the mortgage off in full with a bank transfer of funds at XXXX XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX. I proceeded to Capitol One to close my checking account because XXXX XXXX XXXX XXXX. said they were going to take a payment from my Capitol One checking account. I did not authorize XXXX XXXX XXXX XXXX. to take a payment and have not given them any banking account information. Capitol One refused to close the account and said they were going to charge a non sufficient fund charge should XXXX XXXX XXXX XXXX. attempt to take a payment out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 XXXX XXXX XXXX  inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did XXXX XXXX insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with XXXX XXXX, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to 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 2018-08-15
Company: Academy Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed escrow back in XX/XX/2016. My lender knew that I planned on selling the condo after a few years. She ordered my private mortgage insurance ( PMI ) for me which i opted to pay a one time fee of a little over {$5000.00} for a 5 year period. I ended up selling the condo after 2 years and 4 months leaving 2 years and 8 months of PMI unused. After closing I called the PMI company and they said my lender ordered it as a non refundable PMI. When I have clearly talked to her about this. Since this has come to my attention I tried calling her at her old company phone number and it is forwarded to her new company. Which she never answers. When i tried contacting her old company Academy Mortgage, all I get is the run around. I have contacted them about 6 or 7 times. Called 5 or 6 times only to get thrown to different peoples voicemails with no call back. I then resorted to emailing, i got responses and promises of call back and have not gotten anything from them, nor an email back or call in over 9 days. When i asked for the president of the companys email they just push be back to someones admin. I am getting no where with this company and it is extremely frustrating. I will never deal with this company ever again, they are completely rude and unaccomodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, my credit report was pulled for an auto loan. Upon receiving the return information, I was told that I have a repossession on my credit for a vehicle that was totaled in a accident in XX/XX/XXXX. The vehicle was never ceased or repossessed. This has been inaccurate. I. Addition, this reporting has damage my credit and history. Also, I am in a ligation for this loan lender for settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I came to the nearest Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to notarize some documents to establish an electric service in another city. I was told to bring my statement with my ID, and I ran home to print it out. When I was back I was taken by a personal banker, XXXX XXXX, who refused to notarize my statement about establishing an account with a utility company, because it was against Wells Fargo policy. I asked XXXX XXXX to provide me with a copy of Wells Fargo policy about notarizing documents, and she refused to. Then I asked to notarize any acceptable to Wells Fargo policy document, because I just needed to have any notarized document confirming my identity, and XXXX XXXX refused again. She also refused to provide me with a list of documents which Wells Fargo would notarize for me. I asked XXXX XXXX about her refusal to notarize any document for me, and she said that she did not feel like notarizing all for me anything at. I asked for another banker, and I was provided with another banker, XXXX XXXX, who came to XXXX XXXX to find out what was going on, and XXXX XXXX was talking very loud explaining to XXXX XXXX that she did not feel like notarizing for me any documents, and XXXX XXXX also refused to notarize any documents for me at all, and even providing for me with Wells Fargo notary policy and list of documents Wells Fargo would notarize. I explain to XXXX XXXX that both bankers harassed me, and she said that they only refused service to me, and it was not harassment at all. I am legally insane having XXXXl XXXX, and I get easily hurt by words and any kind of mistreatment. I should probably sue Wells Fargo for my medical bills, pain and suffering because XXXX XXXX and XXXX XXXX refused me with service without any reasons, just because they did not like me, and I was very polite doing nothing to embarrass them. I feel like they did not like my nationality and XXXX, that was why they discriminated and harassed me, so they both should get fired for misconduct, harassment, discrimination and intellectual XXXX. Because of XXXX XXXX and XXXX XXXX harassment I came home very sick and full of pain. I still feel pain, and I need to get hospitalized because my pain killers and antidepressants don't help me anymore.

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 2018-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a voluntary security freeze on my credit reports. On XX/XX/2018, I called Equifax to request a temporary lift of the security freeze for an authorized credit inquiry. I was told the freeze was lifted, and received a confirmation number. The inquiring party was not able to obtain my Equifax report on XX/XX/2018. I called Equifax again, received a new confirmation number, and was told the freeze had been lifted. The inquiring party attempted again to obtain my Equifax report, and was again denied. Equifax does not appear to provide any other avenue of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/XXXX I cancelled an auto payment with XXXX. I resigned up for the same service for {$100.00} a year. On XX/XX/XXXX I received a notice from my bank my account was overdrawn because both {$100.00} and {$120.00} were charged to my account by XXXX. I didn't have money in there for both charges because both charges where not supposed to go through. I contacted my bank and XXXX. XXXX said they saw both charges and said the {$120.00} should not have been charged to my account. They again cancelled the subscription for {$120.00} but left the correct one for {$100.00}. They then immediately refunded the {$120.00} on XX/XX/XXXX to Paypal. 

Paypal continued several times to collect the {$120.00}, so I called them, wrote to them, and emailed them. They told me I didn't cancel correctly because I had to cancel with XXXX AND paypal. I should only have to cancel with the company processing the charges, not with Paypal! Then Paypal said the refund was on hold because the charge didn't go through - a charge that should never have been presented in the first place. So. I put money in my bank account so that the charge would go through and Paypal could process the refund. The charge cleared my account and Paypal has had the money since XX/XX/XXXX, which was confirmed by my bank. It was in Paypals bank account on XX/XX/XXXX. 

On XX/XX/XXXX Paypal claimed the money would not clear my account until XX/XX/XXXX and I would get the refund after that. This is absolutely NOT TRUE! Paypal had the money XX/XX/XXXX. Not only did they have the money by this date, they also had the money from XXXX on XX/XX/XXXX. Yet they still refuse to give me my refund for a charge that should never have been processed in the first place! 

If Paypal puts charges through that are not authorized by the vendor, they should be held accountable. And if Paypal holds all refunds for days after they receive them, they are earning interest on money that is not theirs. They charge my account to overdraw with an unauthorized charge, and now they are keeping my refund money - for several days!!!!!. Their practices are shady at best and possibly criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
It has come to my attention that payday lenders must be licensed by the state of California in order to offer loans to its residents. Since the company has no license in my state, the loan contract I have with them is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. However, to date, I received several loans through Big Picture Loans that dates back to year 2017 and have had several bi-weekly withdrawal payments from my bank account. I was charged excessive fees that were not legal in the state of California and have made several over payments on each loan acquired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TekCollect Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The account has been illegally re-aged. This debt is from XX/XX/XXXX and has been re-aged on my credit report to state XX/XX/XXXX. Furthermore, I have not received any communication about this debt until it was brought to my attention during my security clearance application. I want the debt erased from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Credit Plus Inc
State: CA
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 filed a police report report number XXXX for the Unauthorized inquiry from Credit plus on my credit report on XX/XX/2019. 
This inquiry was not authorized and I do not know where it comes from. I already have a mortgage so this is invalid. Remove now or I will take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am not aware of ever signing for this loan. At the time of accepting the repayment terms with Conserve, I mistaken them for a different loan I took. In my graduate year I was paying mostly in cash because I wasn't qualified for other federal loans. I have made several attempts to speak to someone from Conserve, but to no avail. I have emailed them with my frustration and demanded answers, but no one emailed me back and no one called me back. 

Conserve has been deducting {$140.00} from my account every month since XX/XX/2013. I checked my balance last year and it was less than {$1000.00}. This amount should have been paid in full by now. I went into the website to check again but there was no information about my account or balance ( Which should be XXXX   by now ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient continues to allege that I have three loans l with them. They continue to harass me and cause me see XXXX. I lost my job and have no healthcare and told Navient that there was no way that could ever make Ann payments on any alleged debt even when I was employed making less than XXXX a year with XXXX in debt ... the harassment from Navient will not make money magically appear and the harassment is causing a great deal of XXXX and misery ... Navient continues to add on fees, interest, has no realistic payment options for any alleged debt and all they do is stalk and harass me with robo calls regardless of the time of day and even when I told them to cease and desist they continue to harass me.. this is a predatory company that does nothing but harm people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX Balance : {$7900.00}

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 2019-05-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I contacted by phone XXXX XXXX XXXX XXXX to setup Internet for my apartment. In exchange for agreeing to one year contract to keep the Internet service the company agree to price lock of two year and give me a tablet computer with 100 mb of data per month. In XX/XX/XXXX I  move to a place where I had a choice of Internet providers and I returned all of the equipment that the company requested me to return and paid the finial bill and closed the account with no money due. Now XXXX XXXX XXXX has turned over my account to and ERC account number XXXX phone number XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. 

Since all terms of the original agreement has been satisfied I consider any attempt to collect on a debt to be fraudulent on the part of this company. The company has placed a mark on my credit report and I would like this removed and the company clear this fraud immediately. 


Thanks, XXXX XXXX

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