BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander was involved in a class action lawsuit/ settlement where any derogatory information should be removed from consumer reports due to unfair treatment of consumers. I have contacted Santander multiple times and received no response, they are also in violation of the XXXX code. Santander website shows anyone who received a loan between XXXX qualify for them to forgive the remaining balance on the loan. My credit report still shows a balance of XXXX owed to them. Please have this resolved and removed asap as this has been holding me back from moving forward with becoming a home owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my Capital One Spark business credit card to make a payment on XXXX, as I was buying a website through the services. I've used a credit card on the website before with no problem. It does involve a paying a processing fee, which was fine. 

I made the payment on XX/XX/17 in the amount of {$4800.00}. On that same day, I was charged a {$140.00} cash advance fee, even though this wasn't a cash advance transaction. 

I double checked on the XXXX website to ensure that a credit card transaction wouldn't be processed as a cash advance. ( I've included a screenshot from their website stating that. ) I called Capital One explaining that this was not a cash advance transaction and I shouldn't be charged a cash advance fee. They said there was nothing they could do about it because that's how the merchant tagged the transaction. So then I called XXXX and they said there's nothing they could do about it because it was Capital One that charged me the fee. 

Clearly, Escrow.com and Capital One need to fix the process between themselves, but in the meantime, I'm stuck with a {$140.00} fee that no one can seem to help me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Contract has been breeched, west lake portfolio management is a debt collector not a financial institution. West lake harassing me and I havent missed one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: ALLY FINANCIAL INC.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ollo credit card company let XXXX take total of {$210.00} I never had a XXXX account I had to call XXXX and got them to refund my money back but Ollo card services say they didnt Ive bin fighting with both of them sense 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 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 a fraudulent account on my credit report, which I reported it to XXXX XXXX  and US Department of Education, yet they are not removing this fraudulent accounts. XXXX XXXX  and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX, U S DEPT OF EDXXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U S DEPT OF EDXXXX XXXX Date opened XX/XX/2020 Balance {$460.00}.

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 explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 

XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

I have attached below all the following letters and documentation that has been sent to Experian showing how they have violated my rights and are reporting inaccurate/ incomplete information. 

XXXX Mail Receipts : 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 Account # XXXX needs to be deleted 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 explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: IL
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:
This is XXXX XXXX and I am submitting this complaint with the help of the Consumer Financial Protection Bureau to dispute the erroneous account reporting on my Credit File. I was told to pay the balance of the account : XXXX XXXX XXXXXXXX with an account number : XXXX to have this account settled. However, I was baffled to see this account reporting as a negative account upon receiving a copy of my updated Credit Report. The Company promised me to have this account removed if I paid it, and I did so. This account was already paid, giving no rights to be reporting on my Credit File. In accordance with the Fair Credit Reporting Act, I am requesting that this accounts be completely removed from my Credit File.

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 2023-02-07
Company: BANK OF THE WEST
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received 2 letters from Bank of the West dated XX/XX/XXXX. One I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with Bank of the West. I had missed the 10 day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, WY. Because I did not respond within the 10 days of the date of the letter, the Recovery Department of Bank of the West ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) turned my account over to debt collector XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, WY XXXX. XXXX ) I am currently disputing this issue with XXXX XXXX. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to Bank of West. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost 4 days just getting it to XXXX. I live in Georgia. In the meantime, I was sending emails to BOW customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to 3 members of the XXXX XXXX XXXX times. One agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with XXXX XXXX and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!

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 2023-10-27
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a refund for student loan payments made during the Covid-19 pause. The payments were approximately {$7000.00} in total. I requested the refund in XX/XX/2023. The refund has been added back to my balance and accruing interest, but I have not received the funds almost 4 months later. I was told the refund would be processed by the federal government, but the department of education is saying the loan provided would handle the refund. Multiple calls to Mohela have resulted in no definitive timetable for the refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela is my loan servicer. I have never dealt with the degree of ineptitude like I do with Mohela. Hold times are hours long. 99 % of representatives I speak with have no idea how to help me. 

I submitted my XXXX request for my loans back in XX/XX/2023. Mohela reps told me the process for them to review and approve is generally 5-10 business days. Its been over 2 months now and it still has not been processed. They cant tell me what the issue is or what the hold up is. 

I also consolidated my 4 direct loans because I am a XXXX XXXX with over XXXX years of XXXX XXXX. That consolidation request was submitted in XX/XX/2023 as well and my account still shows no updated information on consolidation. My four direct loans are supposed to consolidate into one that takes my highest payment count ( XXXX eligible payments as of XX/XX/2023 ), and no action has been made yet. 

Mohela needs to be held accountable. Their negligence is a burden to the thousands of students who are burdened with student loans. This is our livelihood and our economic well-being that they are messing with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my account balance of XXXX in full and still was charge an additional {$160.00} interest rate. On my XXXX statement from XX/XX/XXXX-XX/XX/XXXX, it says that I had a previous balance of {$11000.00} and had made a payment of {$12000.00}, paying my previous balance in full. On my XXXX statement it included one charge that hadnt been paid of {$67.00} from XX/XX/XXXX and received an interest charge of {$160.00}. I called and explained that I paid my previous statement in full and it didnt make sense that they continue to charge me interest fees, especially since I havent experience this with other credit cards or other car/student loans. Usually when you pay the full balance, that stops the collection of interest rate fees. They said the charge was correct and can continue charging interest until two months in arrow are paid in full. Someone could easily pay off their credit card in full and continue accumulating endless interest fees. This feels like predatory business practice that should be change and most likely impact other customers. Also, their should be a refund for interest rates charge after balance was paid it 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 monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone opened the following credit card accounts XXXX XXXX, XXXX XXXX  in XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX  XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them

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 2023-04-01
Company: Experian Information Solutions 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:
Someone opened the following credit card accounts XXXX XXXX, XXXX card in XXXX. XXXX credit card in XXXX, consolidation capital in XXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them

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 2023-03-13
Company: MOHELA
State: TN
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:
PSLF : Since XXXX, my student loans have been managed by XXXX, XXXX, XXXX, then to Mohela in XXXX. 
I submitted two ECFs to Mohela XXXX XX/XX/XXXX ( via document upload ). Both ECFs had long since been submitted to XXXX and had not been processed/counted correctly. 

Current eligible count on tracker : XXXX payments. Current qualifying : XXXX. The two ECFs I submitted to Mohela via document upload and per PSLF Waiver were submitted XX/XX/XXXX were finally processed by Mohela in XX/XX/XXXX, as was shown on document upload page, yet my tracker did not get updated. I called/chatted/messaged with Mohela several times. I was assured several times my tracker count would be updated. Time passed. Tracker was still not updated. I called, chatted, messaged some more. Still, tracker not updated. This was through and up to XX/XX/XXXX. Each time, Mohela CSRs, and Mohela messages told me my issue " had been handled '' or " wait 90 days. '' My issue had not been handled. There was no change on my Tracker, still. 

I called again on XX/XX/XXXX. XXXX told me there seemed to have been an error and those two ECFs signed and dated years ago, back to XXXX, " had not been processed correctly. '' Later, XX/XX/XXXX, I received a message on Mohela " We apologize for any inconvenience this may have caused. Your most recent PSLF applications were not processed correctly. We submitted a request on XX/XX/XXXX to reprocess your Public Service Loan Forgiveness ( PSLF ) applications received on XX/XX/XXXX... unprecedented... '' Please help. As mentioned, both of the two ECFs had long since been submitted to XXXX and should have, long ago, been applied per the PSLF waiver. I have been in PSLF since XX/XX/XXXX. I understand Mohela is busy and employees may be overwhelmed, but mine is not a complicated issue to take care of. I should have been finished with PSLF some years ago. I have been working In public service since XXXX. Thank you for your time and assistance. 

Two ECFs previously submitted to Mohela ( and XXXX ) are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Calls made last month to a customer agent XXXX. Three calls made this month to other agents. One in person to a branch in XXXX XXXX. Subject : Disputing a late fee of XXXX XXXX dollars when expected time of refunds were not posted to the account to balance off the payment due on the XXXX. Calling the bank last month for the same issue informed me that before I can dispute a late from posting it needs to be posted before I can dispute the late fee for refunds of returned products. Since the products were not refunded on time when payment was due to the credit card company caused uninformed lock out from my account and charged the late fee to their advantage. They did not inform me of withholding the fee and out of discretion held refunds against my account to charge a late fee. In question to reverse the late fee I spoke with a supervisor that will not remove the late fee and had explained the circumstances of returns being refunded late and will post by the end of this week. He told me only one reversed late fee applies to the account once a year, so why was I not informed by the last representative advising me that I would only need to call in if returns were not posted on time and when the late fee was charged, why she did not explain that one reversed late fee was already used .Calling in today was informed that they closed up the account without my knowledge. This is disrespectful, and have displayed arrogance and rudeness towards my family and I in the past as an account holder for the past twelve years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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